Commercial Lending Workflow

    The lending workflow, finally connected.

    From borrower intake through underwriting analysis to closing — every loan document moves through one structured workflow. AI does the math on what comes back.

    Free to explore with a sample deal. Only pay when you create your own.

    Document chaos compounds at every stage of a loan.

    Origination happens in email. Underwriting happens in Excel. Closing happens in DocuSign. Servicing happens somewhere else entirely. None of these tools talk to each other — and the borrower can’t tell where they are in the process.

    Stage handoffs leak data

    Origination data doesn’t reach underwriting cleanly. Underwriting work doesn’t carry into closing. Files get re-requested at every step.

    Every analyst rebuilds the math

    Cash flow from PDFs into Excel. Tax return numbers transcribed. Bank deposits totaled by hand. Hours per file, every time.

    No single audit record

    When examiners or counsel ask “where did this come from?”, you piece it back together from email, Excel, and DocuSign.

    The connected workflow

    One platform from intake to closing

    Every stage of the loan lives in the same workspace. What happens in origination is already structured for underwriting. What underwriting produces is already organized for closing. The borrower sees their progress; you see the file.

    Stage 1

    Origination & Intake

    Borrowers submit their full package through one passwordless link — no account, no chasing email attachments.

    • Sectioned upload portal organized by document type
    • PDF templates attached in-line (PFS, SBA 413, tax authorizations)
    • Borrower can return anytime to finish what they started
    • Real-time visibility into what has and hasn't arrived
    Stage 2

    Underwriting & Analysis

    Every document arrives tagged to its specific request, classified, and parsed. The underwriter opens the loan file knowing what's in it.

    • Files attached to the request they answer, not dropped in folders
    • Text, tables, and images extracted on upload
    • AI summary on every classified file (P&L, bank statement, tax return)
    • Cross-document reconciliation: revenue vs deposits vs tax returns
    Stage 3

    Credit Decision

    The math is done before your analyst opens the file. Cash flow, debt service coverage, revenue verification — calculated and cited.

    • Bank statement extractions feed cash flow analysis
    • Inconsistencies flagged across documents automatically
    • Confidence indicators on every AI output
    • Every figure linked back to the source PDF
    Stage 4

    Closing & Audit Trail

    Every request, every upload, every comment is permanently recorded. The loan file is your compliance file.

    • Complete activity log of every interaction
    • Version history on every document
    • Watermarked downloads with recipient identity
    • SOC 2 ready infrastructure
    AI in the underwriting workflow

    The math is done before your analyst opens the file.

    Because every document arrives structured and tagged to its purpose, AI can do real work against it — not chatbot Q&A, actual analysis on the financials in the loan file, with every output cited back to the source PDF.

    AI SummaryeStmt_2026-02-28.pdf

    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.

    Ask Deal AI about this fileHigh confidence
    Deal AI2025 Revenue Reconciliation
    Compare revenue across the tax return, the P&L, and total bank deposits in account 6454 for 2025.

    2025 revenue across the three sources:

    Tax Return$20,405,407
    P&L (Accrual Basis)$19,702,051.09
    P&L (Cash Basis)$20,611,692.09
    Total Bank Deposits$20,958,844.75
    Sources2024_Form_1120S.pdf2025_ProfitandLoss-Cash.pdf12 bank statements
    Grounded in this deal’s filesHigh confidence

    AI assists. Your team decides.

    Every AI output shows its sources, flags low-confidence extractions for review, and stays inside the loan file. Credit decisions stay with your team. The platform just removes the hours of manual data extraction and cross-checking that come before the decision.

    Loan types

    The workflow adapts to every loan product

    Same connected workflow — the document templates, request lists, and AI analysis adjust to what each loan product actually requires.

    SBA 7(a) and 504

    Personal Financial Statements, tax returns, business debt schedules, SBA-specific forms. Standardized intake, structured for underwriter review.

    Common documents

    SBA Form 413 · 3 years business + personal tax returns · Business debt schedule · Use of proceeds

    Commercial Real Estate

    Rent rolls, operating statements, environmental reports, leases — collected by section, reconciled across documents during underwriting.

    Common documents

    Rent roll · T-12 operating statements · Phase I ESA · Lease abstracts

    Equipment Financing

    Invoices, depreciation schedules, equipment appraisals, and collateral verification — every doc tied to the asset it covers.

    Common documents

    Equipment invoices · Appraisals · Depreciation schedules · Insurance certificates

    Working Capital & Lines of Credit

    AR aging, AP detail, bank statements, monthly P&Ls. AI extracts the numbers from each upload before the analyst gets there.

    Common documents

    AR aging · AP detail · 12 months bank statements · Monthly P&Ls

    Asset-Based Lending

    Borrowing base certificates, collateral schedules, customer concentration data — structured collection on the cadence you require.

    Common documents

    Borrowing base certificate · Collateral schedule · Customer concentration · Inventory detail

    Acquisition Financing

    Target-company financials, LOI/term sheets, projections, and seller-provided diligence — collected from both sides of the deal in one structured file.

    Common documents

    Target financials · LOI / term sheet · Seller diligence · Pro-forma projections

    The shift

    From email + Excel + DocuSign to one connected workflow

    Stitched-together tools

    With Vetting Vault

    Email a 4-page document checklist to the borrower

    Send one intake link with sections, templates, and progress tracking

    Re-key bank statement totals into Excel by hand

    AI extracts deposits, withdrawals, balances on upload

    Reconcile revenue across tax return, P&L, and bank deposits manually

    Cross-doc reconciliation with citations runs in seconds

    Hunt through email threads for the current version of a doc

    Single source of truth tied to the request it answers

    Send signed loan docs around on email or DocuSign

    Built-in signature, watermark, and audit trail on every file

    Looking for the lender’s perspective?

    This page covers the lending workflow end-to-end. For an audience-focused view — written for SBA loan officers, commercial bank underwriters, equipment financiers, and credit teams — see our page built for commercial lenders.

    Run the entire lending workflow on one platform.

    Borrower intake, structured underwriting, AI-assisted analysis, and a built-in audit trail — from origination through closing.

    Free to explore with a sample deal. Only pay when you create your own deals.