For SBA Loan Officers, Bank Underwriters & Commercial Lenders
Send one link. Get a structured borrower package back—with the underwriting math already done.
Applicants upload PFS forms, tax returns, and financials to organized sections—no account required. Every document is tagged to its purpose, not dumped into a folder. Then AI pulls the totals, cross-checks the numbers, and surfaces the answers your team would otherwise spend hours digging for.
Built for every lending workflow
Whether your borrower is a first-time SBA applicant or a sponsor-backed mid-market company.
Lending workflows vary. Some applicants have never filled out an SBA Form 413; others are sophisticated borrowers with their own internal deal teams. Vetting Vault works the same way for both—the intake layer adapts to how the borrower works, and the analysis layer does the same work either way.
Institutional VDRs were built only for sophisticated deal teams. Generic file-sharing was built only for transfer. Vetting Vault is the platform that gives you request-first intake, structured ingestion, and AI analysis—three layers that compound regardless of who the borrower is.
One example of range
A 75-year-old seller on a deal we’re running figured out how to upload documents, write responses, and use the more advanced features—without any prompting.
That same person can’t use his Google Calendar.
The same platform—same intake, same knowledge base, same AI layer—runs deals between sophisticated teams the same week. The product adapts to who’s using it.
Step one
Send one link. Borrowers upload to organized sections.
The diligence checklist is the interface. Borrowers see exactly what’s being asked of them, with each item in its own slot. No folder hierarchy to navigate, no passwords to forget, no email threads to lose.
What your borrower sees
- A clean, sectioned upload portal—no account required
- Each document request in its own clearly labeled slot
- PDF templates (PFS, SBA disclosures) attached to the right slot
- Real-time confirmation that uploads succeeded
- Resume from any device—no app to install
The shift
From scattered email threads to one structured loan file
Email-based collection
With Vetting Vault
Email applicant a 47-item document checklist
Send one intake link with organized sections
Get scattered replies over weeks—some to wrong email threads
Applicants upload directly to the right categories
Email blank PFS forms, hope they fill correctly
PDF templates built into intake—download, fill, upload in one spot
Manually track who submitted what in a spreadsheet
Real-time dashboard shows exactly what's complete
Hunt through inbox to find latest document versions
Everything in one place, version history preserved
Chase applicants for missing items via phone and email
Clear visibility into outstanding items, automated reminders
PDF templates built into intake
Attach your Personal Financial Statement forms, SBA disclosure documents, and application forms directly to the intake link. Applicants see the template right where they need to upload it.
- Attach any PDF form to specific document requests
- Applicants download, fill out, and upload in the same spot
- No separate emails with attachments to manage
- Track which forms have been downloaded and completed
- Works with SBA forms, PFS templates, disclosure documents
Personal Financial Statement
Required for SBA 7(a) loan application
SBA_Form_413.pdf
Download, complete, then upload below
Drop completed form here or click to upload
Why lenders choose this intake model
Purpose-built for collecting loan documentation at scale, without making the borrower learn anything new.
No Account Required
Borrowers and applicants just click the link and upload. No signup process, no forgotten passwords, no friction.
Organized by Section
Financial statements, tax returns, collateral docs—each category has its own section. No more sorting through email attachments.
PDF Templates Included
Attach Personal Financial Statements, application forms, and disclosure documents. Applicants download, fill, and upload in the same spot.
Real-Time Progress Tracking
See exactly what's been submitted across all your applicants. Know instantly when documents arrive.
Automatic Notifications
Get notified when applicants submit documents. No more checking email constantly.
Secure & Compliant
Email verification, link expiration, full audit logs. SOC 2 compliant infrastructure for sensitive financial data.
Step two
Every document gets understood, not just stored.
Because every file entered through a specific request, the platform already knows what it is. Three years of bank statements arrive tagged as bank statements—not as Q3_revised_FINAL_v2.pdf. That structure is the thing folder-based data rooms can’t give you.
Tagged to purpose, not to folders
Every document is associated with the specific request it answers. The system knows this is a 2024 P&L because the borrower uploaded it to the “2024 P&L” slot—not because someone tried to name the file correctly.
Text, tables, and images extracted automatically
PDFs, scans, and images are processed on upload. Numbers in tables are pulled out. The whole borrower package becomes searchable—and ready for the analysis layer.
The request list is the loan file
Live progress tracking is built in. Always know exactly which items are complete, which are pending, and which need a follow-up—across every applicant.
A loan file in Vetting Vault—every document attached to the specific request it answers.
The underwriting math, done for you.
When every document arrives structured and understood, the AI can do real work against it. Not chatbot Q&A—actual analysis on the financials in your loan file, with every answer cited back to the source document.
Bank statement totals, extracted
Deposits, withdrawals, average balance, beginning and ending balance—pulled from each statement into a clean table. Across twenty-four months if you have them.
No more spreadsheet rekey from a PDF.
Cross-document reconciliation
Compare the revenue on the tax return to the P&L. Match bank deposits to reported income. Spot the discrepancies that take a human hours to find by hand.
Every number cited back to the source PDF.
Ask anything about the package
“Summarize the cash flow risk in the last 12 months of statements.” “What does this P&L tell us about gross margin year-over-year?” The agent reads the docs and answers in plain English.
Confidence pills + source citations on every answer.
Institution
Bank of America
Account Ending
•••• 0509
Period
Feb 1 – Feb 28, 2026
Beginning Balance
$446,559.45
Ending Balance
$518,799.95
Total Deposits
$1,386,000.00
Total Withdrawals
$1,313,757.50
Bank statement for ACME, Inc. for February 2026, showing $1,386,000 in deposits against $1,313,757.50 in withdrawals.
2025 revenue across the three sources:
AI assists. Your team decides.
Every AI output shows its sources, flags low-confidence extractions for review, and stays within the loan file. Underwriting decisions stay with your team. The platform just removes the hours of manual data extraction and cross-referencing that come before the decision.
Built for every lending product
Organized intake sections, structured ingestion, and analysis—tailored to the documents each loan type actually requires.
SBA 7(a) & 504 Loans
SBA documentation is extensive. Stop chasing applicants for every form—and let the platform do the math on what comes back.
Built around how SBA loan officers actually work
Equipment Finance
Coordinate equipment valuations, vendor quotes, and applicant financials in one place—with structured extraction on the financial side.
Vendor and applicant coordination in one workspace
Commercial Real Estate
Manage property documents, appraisals, and borrower packages across multiple properties—and surface the numbers that matter.
Organized sections for each property in the portfolio
Working Capital & LOCs
Fast-track revolving credit with efficient ongoing monitoring—plus AI extraction on the recurring financials.
Streamlined renewal and monitoring
What lenders say
“We process 50+ SBA loans per year. Before Vetting Vault, we were drowning in email. Now applicants upload to organized sections and we track everything in real-time. It's transformed our underwriting workflow.”
VP of Commercial Lending
Community Bank, Southeast
“The PDF template feature is a game-changer. We attach our PFS forms right in the intake link. Applicants download, fill out, and upload—all in one place. No more emailing forms back and forth.”
SBA Loan Officer
Regional Bank
SOC 2 ready
Full audit trail, version history, encrypted at rest and in transit. Built for regulated financial workflows.
One pays, the rest collaborate free
Your underwriting team, the borrower, attorneys, accountants—everyone collaborates in the same file. Only deal admins pay.
Notifications, not nagging
Borrowers get clear nudges on what’s outstanding. Your team gets pinged when documents land. Nobody has to chase.