Commercial loan origination spans intake, account opening, underwriting, and ongoing monitoring. At most institutions, every stage runs on different systems, with different people, using different data. Borrowers wait days for responses. Underwriters re-key information from PDFs into spreadsheets. Risk teams chase covenant compliance through email. Even well-run institutions lose deals to slower processes and lose margin to manual work.
Spent on intake and data entry before underwriting begins
From first borrower contact to funded loan
Borrowers go elsewhere when responses take too long
Deploy one agent to fix a specific point of friction, or the full suite to transform the commercial banking experience. Each works on its own or together.
Engages commercial borrowers across channels, runs policy-aware pre-screening, and collects required documents autonomously. Packages a complete application for underwriting before a relationship manager touches the deal.
Opens commercial deposit relationships in parallel with the loan application. Captures KYB documentation once, applies it across deposit and credit, and removes weeks of friction at the front of the relationship.
Automates financial analysis and credit preparation for complex commercialReads the full credit file, applies your credit policy, builds the risk narrative, and recommends deal structure. Handles C&I, CRE, equipment finance, and working capital with the same engine. loans.
Reads tax returns, financial statements, and bank statements and returns clean, structured spreads. Calculates DSCR, debt yield, and the ratios your policy actually requires, with full lineage back to source.
Builds the credit memo from spreads, risk narrative, and policy alignment. Produces a board-ready document in your bank's format, with citation back to every source document.
Tracks every commercial relationship after booking. Monitors covenants, financial reporting deadlines, and external risk signals. Surfaces issues before they become losses.
Every agent reads from the same policy intelligence layer. The eligibility rules applied at intake match the underwriting standards applied at credit memo generation, which match the covenants tracked in monitoring. One policy, consistently applied, across years.
Data captured at intake flows to underwriting, which flows to monitoring. Borrowers never get asked for the same document twice. Underwriters never re-key. Relationship managers see the full history in one place, for the life of the relationship.
Every decision the agents make is logged with rationale, source citation, and policy reference. When examiners or auditors ask why a deal was approved or why a covenant breach was waived, the answer is one click away.
The same suite handles C&I, CRE, equipment finance, and asset-based lines. Configure once for your loan types, your policy, and your LOS. Reconfigure when policy changes, without rebuilding integrations.
Measurable impact from community and regional banks running the Commercial Lending suite in production.
Property-specific underwriting, rent roll analysis, and continuous monitoring purpose-built for commercial real estate.
Automate SBA 7(a) and 504 workflows, eligibility checks, and form completion end-to-end.
Fast, policy-aware decisioning for small business credit at scale.
AI agents for auto, personal, and unsecured consumer credit decisioning.
100+ pre-built integrations across cores, LOS, document systems, data providers, and CRM. Coordinate with legal before publishing the logo list.
Pre-trained, finserv-specific capabilities the agents in this suite compose on demand.
Start with one agent or deploy the full suite. Either way, our team handles scoping, configuration, and go-live. Most banks running a single agent are live in five business days. Most multi-agent deployments are in production within 30 days.
