Origination Management Solutions

Seize every opportunity. Growth without adding headcount.

One agentic origination solution across consumer, SMB, and commercial. Deposits and loans, application to close, running on the core and the LOS you already have.

41%

Faster underwriting cycle time

36%

Less spreading and extraction time

1

LOS instance, consumer to SMB to commercial
150+
Institutions Trust Uptiq
The solution areas

One relationship surface, every segment

Commercial, small business and consumer on one platform, where incumbents implements separate point tools with separate contracts and separate data models. Originate multiple products along the same path.
01
Commercial
Commercial Solutions
Complex credit structured, decided and booked on one file.
Commercial lending
risk rating, covenants and approvals on one governed file
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Equipment financing
collateral, liens and UCC filing tracked on the file
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Account opening
operating and treasury accounts opened with KYB built in
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02
Small business
Small Business Solutions
Small-ticket volume decided fast, without a bigger team.
Small business lending
financials spread and policy checked automatically
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SBA lending
eligibility screened, forms and guaranty evidence built as the file moves
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Equipment financing
vehicles and equipment financed at small-ticket speed
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Account opening
business checking opened, verified and funded in one session
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03
Consumer
Consumer Solutions
Decision, price and fund in one session, with no handoff between systems.
Consumer lending
loans, lines, cards and auto decisioned and funded
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Account opening
checking and savings opened, verified and funded online or in branch
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Where you are

Growth is capped by how fast you can say yes

Today

100%

cycle time
With Uptiq

41%

faster
Underwriting cycle time, application to decision. Every day a file waits is a day a competitor can say yes first.
Intake
Three paths, rekeyed by hand
One intake, every product
Documents
Days lost chasing a missing file
Classified, spread and chased by agents
Underwriting
Capacity capped by headcount
Lender decides on a prepared file

Control stays with your team.

Agents collect, classify, spread, check policy and draft the decision end to end, and every step is checked before it runs and receipted after it.
People work exceptions
The routine file moves on its own. The judgement call reaches a human with the analysis already done.
Human control points where you set them
Approval gates, maker-checker and dual control on the actions that need two hands, with the exception path recording its justification.
Best practice stops being tribal
A top performer's play becomes a reusable skill other branches and teams adopt, rather than knowledge that leaves when they do.
One commercial application, start to finish
01
Intake and triage
completeness checked
02
Documents and spreading
47 fields extracted
03
Credit pull and policy evaluation
policy v7
04
Validation Hub checks the authority grid
Cleared
05
Priced offer and e-sign
reason codes attached
06
Booked to core
with its receipt
Illustrative flow. The gates sit where your credit policy puts them.
For the CRO and the CCO

Bank-grade on every decision

A decisioning black box is a non-starter, and evidence pulled by hand each exam is a cost you already pay. Origination runs on the same governed floor as everything else on the platform.
Grounded
Your credit policy, not a generic one
Policy thresholds, delegated authority limits, rate sheets and disclosures live in the Knowledge Hub as versioned configuration. When the policy changes, the agent inherits it.
Governed
The out-of-bounds decision is blocked
The Validation Hub checks every action against your authority grid before it runs. An offer outside an officer's limit never reaches an applicant, it escalates.
Provable
Reason codes by construction
Every credit decision carries its adverse-action reason codes. Sample any population, replay a named file with the policy version live at the time, export the workpaper.
Two deployment models

Integrate or replace. 

Most vendors have one answer, and it is rip and replace. You can start inside the LOS you run today and decide about the system of record later.
Path one
Integrate into what you run
Plug agentic components into Abrigo, nCino, MeridianLink or whichever LOS you have. Spreading, underwriting support, decisioning and applicant concierge run alongside it, reading and writing to your core.
Fastest to value. No system-of-record decision required.
Path two
Replace the LOS outright
Retire three instances and a stack of point vendors for one connected system across consumer, SMB and commercial. Tailor products, policies, workflows and screens before go-live, and keep tailoring after.
Largest hard-dollar saving. No vendor PS queue to wait in.
What happens next

It does not stop at booking

An LOS hands the relationship off and forgets it. Origination sits on the same graph as account management, so the customer you just won is the customer you then keep.
Acquire
Win and book the business
Consumer, SMB and commercial, deposits and loans, through one process and one data model.
Onboard
KYC, KYB and the first 90 days
Verification and early servicing run on the same file, with the same evidence trail behind them.
Deepen
Next best product, in system
A cross-sell becomes an application in the same platform rather than a handoff to another vendor that loses the customer at the door.