Commercial loan origination software that builds the underwriting-ready file from the banker's note
Files ready for underwriting in days, not weeks of chasing documents.
See one case, screen by screen ↓Software that takes a commercial deal from the banker's first note to a credit decision: intake, document collection, the needs list, a policy pre-screen and the hand-off to underwriting. Commercial Loan Origination adds six agents that read the note and every attachment, draw the file from your credit policy and chase what is missing.
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A commercial deal starts as a relationship manager's note and a pile of attachments forwarded from the borrower's CFO. Before anyone can spread the numbers, someone has to work out what the credit policy requires for this exact mix of facilities, collateral and guarantors, sort what arrived, and find what is stale, unsigned or missing.
Done by hand, it happens one discovery at a time: interims older than policy allows, a personal financial statement from May, a purchase agreement the seller never signed, a second equipment quote nobody attached. Each one is another email and a few more days. Files reach credit incomplete and bounce back, the banker cannot say where the deal stands, and the borrower takes the faster lender's term sheet.
Median deal in the working solution's sample bank: January to May by hand (52 deals), and since June with the agents (46 deals).
Six specialist agents read every document and draw the file this deal needs; the loan coordinator certifies it.
Monday 12 October, 07:52. Owen Pryor forwards an email from Hartwell Precision Machining's CFO with 23 attachments: a building purchase, two new machines and a bigger line. Here is what happens next, screen by screen, in the working solution.
Hartwell wants to buy the building it leases at 2150 Foundry Road, finance two new 5-axis machines from Torvane and push the line to $1.3M — $6,850,000 in three facilities, with Dale and Corinne guaranteeing and the building going into a new LLC. Renée starts intake and six agents work through the note and every attachment in 1 min 1 s, each step shown with what it found.
“Can we get this to Marcus this week?” — Owen
The file appears as a plan of six rooms — financial statements, tax returns, entity, guarantors, collateral and equipment — with 34 items drawn from credit policy CP-4.2. A solid item is in and good, an amber hatched one has a problem, a dashed one is missing, and a dotted one is a report the bank orders. The financial statements room already shows what was read from it: revenue 2025 $18,640,000 and EBITDA $2,410,000 for the twelve months to June.
34 items in 6 rooms: 19 in and good, 4 with problems, 7 missing, 4 ordered by the bank.
Across the top sit the six facts that drive the file: owner-occupied real estate, an equipment loan, a line of credit, a new LLC taking title, two personal guarantors and a machine shop. Switch one off and the file redraws itself — without the equipment loan the two quotes leave; without the guarantors the room is struck through. Owen's deal is never changed.
“Without the equipment loan: 32 items — 2 leave the file. A what-if only; Owen’s deal is unchanged.”
Open any item for its reason, its owner and the document behind it. The Phase I environmental is there because two things are true at once — the bank is taking owner-occupied real estate, and the borrower is a machine shop. It is ordered by the bank and due 6 November.
“Required because the deal has owner-occupied real estate and machine shop (credit policy CP-4.2 · By industry).”
Loan to value is 80.0% against a maximum of 80%, so the appraisal governs. Debt service coverage is 1.39x against 1.25x, counting the $372,000 of rent that ends at purchase. The borrowing base of $2.13M covers the line. The exception is customer concentration: Varden Aerospace is 38% of revenue, above the 25% flag, for the analyst to address in the memo.
“7 of 8 fit · preliminary — underwriting confirms”
The borrower request writer drafted one message to Lena, Dale and Corinne with all 11 open items in plain words and a secure upload link — and nothing the bank already has. Renée reviews it and sends it at 09:40, with Owen copied. Reminders go through the link on day 2 and day 4; Owen is told on day 6 if anything is still open.
The first request always goes out by a person. Later reminders go on their own.
Lena opens the bank's secure upload page: every item she owes, why it is needed and who it is for — the 2025 business return, interims to 30 September, a receivables aging at the same date, a debt schedule, a new statement from Dale and a signed one from Corinne.
“Hi Lena, here is everything we still need — all in one place.”
Lena uploads 11 files and each one lands in its room as it is checked. Ten are good. Corinne's personal financial statement comes back unsigned on page 4, and she is asked again at once — no email from Renée needed. With the September interims, debt service coverage updates to 1.44x.
Corinne signs page 4 and the last empty room turns solid. Thirty of 34 items are in and good, the four bank orders are on their dates, and the file stamps itself ready for underwriting on day 3 of the 5-day target.
“Ready for underwriting · day 3 · Thu 15 Oct 09:12 · awaiting your certification”
Renée certifies that the file is complete under CP-4.2: 30 of 34 in and good, the appraisal, Phase I and title ordered with their dates and the flood determination done, beneficial ownership certified and sanctions screening clear, with the concentration exception flagged for the memo. She sends it to Marcus Feld, senior credit analyst, and Owen gets a one-line note: the officers' loan committee meets Thursday 22 October.
The same deal, seen by the five people who carry it — what their week looked like, and what it looks like now.
Six specialist agents read every document and draw the file this deal needs; the loan coordinator certifies it.
Reads the relationship manager's note or forwarded email and sets out the request: borrower, facilities, amounts, purpose, collateral and guarantors.
Splits combined files, classifies and dates every document, ties it to its party and reads the key figures from returns and statements.
Pulls what the bank already has — deposits, existing loans, good standing, sanctions screening and credit reports — and totals the relationship exposure.
Builds the needs list from the credit policy for this combination of loans, collateral and guarantors, and checks freshness, signatures and matching dates.
Runs the preliminary policy tests — loan to value, advance rates, debt service coverage, borrowing base, guarantor liquidity, concentrations — and the approval route.
Writes one plain-language request for everything open, checks every upload as it lands and sends reminders on the bank's cadence.
Sends the request and certifies the file; credit accepts it. The agents propose; a named person decides.
Ask about a deal, an item or a policy test, or have it send the banker a status. Every answer points to its source.
What is still missing on Hartwell?
11 items: interim statements dated 30 Jun (104 days old), the receivables aging dated 31 Aug and not with the interims, Dale's personal statement signed 14 May (151 days), the purchase agreement the seller has not signed — and 7 missing: the 2025 return, debt schedule, Corinne's statement and 4506-C, the LLC's operating agreement, the beneficial ownership form and the second machine quote. All 11 are in the request sent at 09:40.
Does Hartwell fit our credit policy?
On the preliminary numbers, yes — 7 of 8 tests fit. Loan to value is 80.0%, at the maximum, so the appraisal due 30 Oct governs. Debt service coverage is 1.39x against 1.25x, counting the $372,000 of rent that ends at purchase. The exception is concentration: Varden Aerospace is 38% of revenue, above the 25% flag.
Who has to approve this relationship?
The officers' loan committee. The relationship is $7,662,400 with the existing equipment loan — above the Chief Credit Officer's $5,000,000 and within the $12,000,000 house limit. The next committee is Thursday 22 October.
Why does Hartwell need a Phase I environmental?
Because of two things in the deal: the bank is taking owner-occupied real estate as collateral, and the borrower is a machine shop (NAICS 332710). Credit policy CP-4.2 requires a Phase I when both are true. It is ordered and due 6 Nov; underwriting may start while it is on order.
13 screens from the working solution, on its sample data. Pick one to see it large.
What a complete file means at your bank is a setting. Changes are versioned and on the audit trail; deals already in intake keep the rules they started with.
| Setting | Default | Choose from |
|---|---|---|
| What each loan type needs | Credit policy CP-4.2 | Owner-occupied real estate · equipment · line of credit · term loan · acquisition |
| Interim financial statements, no older than | 90 days | 30 to 180 days, in steps of 15 |
| Personal financial statements, signed and dated within | 90 days | 90 days · 120 days · 60 days |
| Beneficial owners | 25% (rule minimum) | 25% · 20% · 10% |
| Underwriting-ready target | 5 business days | 2 to 15 business days |
| Borrower reminders | Day 2 and day 4 | Day 2 and day 4 · Every 2 days · Day 3 only |
| Tell the relationship manager | On day 6 | On day 6 · On day 4 · Every day |
| First request needs a person | On | On · off |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample bank data · “target” = the design goal, measured in the live solution · “typical” = published figures (Banking Dive press release, Sep 2026 — 30–45 days intake to decision at community banks; Abrigo business lending survey — 46% take five weeks or more to close; Moody's Analytics via FileInvite — up to 40% of the sales cycle waiting on documents). People, banks and companies named on this page are fictional — characters and sample data in the working solution.
Software that takes a commercial deal from the banker's first note to a credit decision: intake, document collection, the needs list, a policy pre-screen and the hand-off to underwriting. Commercial Loan Origination adds six agents that read the note and every attachment, draw the file from your credit policy and chase what is missing.
The requirements builder reads the deal's facilities, collateral, guarantors and industry and applies your credit policy's requirements matrix. Each item names the rule behind it, and switching a deal fact off in a what-if shows which items it brings into the file.
No. The policy pre-screener runs preliminary tests such as loan to value, debt service coverage and concentrations, and labels every figure preliminary. Underwriting confirms the numbers, and the decision belongs to your approval authority.
Through one request with a secure upload link, listing every open item in plain words and why it is needed. Each upload is checked as it lands — the right document, period, signature and date — and a problem goes straight back to the person who uploaded it.
Yes. A person reviews and sends the first request, only a person can waive a requirement, the coordinator certifies the file complete and the credit analyst accepts it into underwriting. Every step is on the audit trail.
No. The relationship and exposure checker pulls what the bank already has: deposits and existing loans from core banking, good standing from the state registry, sanctions screening, and credit reports for guarantors who have signed an authorisation. The request writer never asks the borrower for any of it.
Yes. What each loan type needs, freshness of interims and personal statements, years of returns, the beneficial ownership threshold, the underwriting-ready target, borrower reminders, when the banker is told and the approval authority are all settings.
The Agentic Solution Engine builds and deploys it from your requirements — your credit policy, approval authority and a sample of past deal notes and files — and it goes live once every quality gate has passed. We will walk you through it on your own deals first.
We'll run Commercial Loan Origination on a sample of your own deal notes and credit policy.