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Agentic AI · Built for credit decisioning

Lending runs on documents.
Decisions run on Botminds.

The agentic platform for credit decisioning and underwriting. AI agents read every bank statement, tax return and financial, spread them, test them against your credit policy, and assemble a decision-ready credit memo — explainable, audited, and yours to approve.

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5× faster spreading10B+ documents processedEvery decision human-approved
5×faster financial spreading
10B+documents processed
100+lending agents
100%AI accuracy

Three words we live by

Lending. Credit decisioning. Underwriting.

Lending

Every kind of it — commercial, small business, consumer, and the hundred niches in between. If credit moves through documents, agents can run the file.

Credit decisioning

Spreads, ratios, trends, policy checks and exceptions — assembled into a credit memo the committee can defend, with every number cited to its source.

Underwriting

Credit underwriting first — and the same governed engine reads insurance files too: applications, loss runs, policies. Underwriting is underwriting.

3000 BC · credit on clay tablets1494 · double-entry bookkeeping1956 · the credit score1970s · securitization2010s · fintech & BNPLNow · agentic underwriting

Lending has reinvented itself for 5,000 years. The loan file is due its turn.

Deep technology

A platform, all the way down

Lenders come for the lending. Engineers stay for what's underneath — four ideas, one system.

Collections of work

Documents, structured records, knowledge bases — every collection organized, indexed and vector-ready the moment it lands. The raw material of credit, made queryable.

DocumentStructuredKnowledge

Agent harness

Create an agent in hours, not quarters — with guardrails, MCP tools, memory and evaluations built into the frame. Bounded autonomy: agents work, rails hold.

GuardrailsMCP toolsEvals

Composable experiences

Drag a card, drop a card, ship a workspace. Screens assemble from blocks — a working lending experience your team shapes without waiting on a release.

CardsWorkspacesNo-code

Governance fabric

Policy-bounded AI at the platform layer — approvals, audit trails, citations, human gates. Not a feature bolted on at the end; the fabric everything runs in.

PolicyAuditHITL

Runs alongside your LOS, core and CRM · SSO & tenant isolation · your cloud or ours.

How it works

From loan file to lending decision

  1. 1

    Intake

    Every borrower document, every format — PDFs, scans, spreadsheets, portals, email. Agents classify the package and chase what's missing.

  2. 2

    Understand

    Agents read and cross-check every figure — and every number stays linked to the source page it came from.

  3. 3

    Spread

    Consistent financial spreads, ratios and trends in minutes — not days — cited line by line.

  4. 4

    Decide

    Your credit policy applied automatically, exceptions surfaced, memo assembled. The underwriter decides; the file is ready.

  5. 5

    Monitor

    Covenants, renewals and portfolio drift watched continuously after close — the file never goes stale.

The platform

Purpose-built agents for credit

Not a copilot bolted onto a viewer — a platform of agents that do the work of the credit back office, under your rules.

Borrower Intake Agent

Collects, classifies and completes the loan package — and chases the borrower for what's missing.

Loan Package Intelligence

Reads every document in the file; every extracted number stays linked to its source page.

Financial Spreading Agent

Spreads statements and tax returns 5× faster, consistently, with line-by-line citations.

Underwriting Intelligence

Ratios, trends, red flags and policy exceptions — pre-analyzed before the underwriter opens the file.

Credit Workflow Engine

Routes deals, approvals and exceptions through your governed process, with full audit trails.

Credit Assistant

Ask anything about the borrower, the book or the policy — answers come with citations.

Where it applies

Built for every corner of credit

Lending isn't one business — it's a hundred niches, each with its own documents, its own risks, its own credit box. Agents configure to your book.

Commercial & Industrial

Term loans, lines, syndications

Commercial Real Estate

Acquisition, construction, refi

SBA & Small Business

7(a), 504, express

Equipment Finance

Leases, EFAs, vendor programs

Asset-Based Lending

Borrowing-base certificates

Invoice Factoring

Debtor risk, dilution, verification

Merchant Cash Advance

Daily-balance underwriting

Trade Finance

LCs, PO finance, supply chain

Agricultural Credit

Seasonal cash flow, land, yield

Auto & Fleet

Floorplan to consumer paper

Mortgage & HELOC

Income calc, collateral, compliance

Consumer & BNPL

Thin-file, cash-flow underwriting

Healthcare Finance

Practice loans, receivables

Franchise Lending

FDD analysis, unit economics

Microfinance

Group lending, alt-data scoring

Bridge & Specialty

The deals no one's software fits

…and the niches nobody builds software for. That's rather the point.

Governed by design

AI you can put in front of a regulator

Explainable

Every figure cites the source page it came from. No black-box numbers in a credit file.

Audit-ready

Every agent action is logged — who, what, when, from which document, under which policy.

Human-in-the-loop

Agents prepare; people decide. Structured approvals at every gate you define.

Policy-enforced

Your credit box, encoded. Exceptions are surfaced and escalated — never silently waved through.

What customers say

Trusted where documents mean money

"Botminds turned a document problem we'd lived with for years into a solved problem."

Jan Kaestner · Senior VP & Legal Counsel, Monotype

"The platform gave our teams decision-ready information instead of raw paperwork."

Ananta Sarathi · VP — Business Excellence, Integreon

"What stood out was how quickly it adapted to our processes — not the other way around."

See your own loan file,
decision-ready.

Bring a real (redacted) borrower package to the demo. Watch it become a spread, a policy check and a credit memo — live.

Request a demo