Underwriting Superagent for Small Business Lending

Faster Credit Decisions. Consistent Risk Analysis.

Automate bank statement analysis, business tax spreading, global cash flow assessment, and credit risk review. Deliver consistent, decision-ready credit packages without the manual work.

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150+

Institutions Trust Uptiq

Automate Small Business Credit Review

Replace manual financial analysis and credit review with a streamlined underwriting workflow that analyzes borrower financials, applies your credit policy, and delivers consistent, decision-ready recommendations in minutes.

Financial Spreading

Convert tax returns, financials, and bank statements into standardized spreads automatically. No manual data entry required.

Supports 1040, 1120, 1120-S, 1065, and K-1 forms

Calculates policy ratios and global cash flow

Trace every value back to its source document

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Credit Memo Generation

Generate credit memos aligned with your underwriting standards and approval process.

Built using your approved memo templates

Creates risk narratives based on credit policy

Includes supporting citations for key data points

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Scorecard

Automatically populate scorecards using borrower financial data and underwriting inputs.

Uses your scoring methodology and rating system

Supports documented overrides

Improves consistency across reviews

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What Small Business Lenders See in Practice

More Loans Processed Per Underwriter

Automate manual analysis and administrative work so credit teams can focus on underwriting and decision-making.

70%

Reduction in Credit Memo Preparation Time

Deliver decision-ready memos faster and accelerate the underwriting process.

100%

Policy-Aligned Credit Decisions

Every recommendation includes supporting rationale, source references, and policy context.

Works Seamlessly with the Rest of Your Stack

Intake Agent

Automates borrower onboarding by collecting, validating, and organizing required documents.

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Continuous Monitoring Agent

Tracks borrower performance, covenant activity, and emerging risks on an ongoing basis.

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Integration

Works alongside your existing LOS, CRM, core systems, and data providers.

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Documents Supported

Processes tax returns, financial statements, bank statements, and supporting credit files.

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Frequently Asked Questions

Ready to deploy the Underwriting Agent for Small Business Lending?

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.

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