Automate rapid bank statement analysis, business tax spreading, global cash flow assessment, and credit risk review.
Small business lending runs on volume, but every file lands as a stack of mismatched documents. Underwriters spend hours checking bank statements, tax returns, and merchant profiles by hand.
Replace manual financial auditing with one small business cash flow engine. It normalizes multi-source data, applies your credit policy, and delivers instant risk ratings and decision-ready credit packages.
Measurable impact from community banks, credit unions, CDFIs, and alternative small business capital providers that have deployed the Underwriting Agent.
Automates document collection, borrower engagement, and application assembly for small business loans - delivering a complete file to underwriting in hours so analysts start with everything they need.
Continuously monitors small business loan covenant compliance and financial performance - alerting your team to emerging credit deterioration before loans become delinquent.
Pre-trained, finserv-specific capabilities the agent composes on demand to automate credit file packaging.
Classifies and validates bank statements, tax returns, and financial documents against underwriting requirements.
Extracts and normalizes business and personal financials into standardized credit grids.
Applies small business credit policy uniformly for consistent scoring and exception flagging.
Coordinates business and personal credit pulls and applies attribute-level policy scoring.
Assembles decision-ready credit scorecards and memos matched to your institution's template.
Links every financial metric and eligibility determination to the originating source document.
Flags policy deviations and routes exceptions to the correct approval tier automatically.
With 100+ pre-built integrations across small business Loan Origination Systems (LOS), core banking platforms, business and personal credit bureaus (D&B, Experian Business, FICO SBSS), income verification services, alternative decision engines, and document management platforms - your team keeps working in familiar tools while Uptiq handles the underwriting work behind the scenes.
Our team handles deployment end-to-end - from credit policy configuration and bank statement analysis setup to LOS integration and go-live. Most small business lenders are in production within 5 business days, with no disruption to existing loan officer workflows.
