Commercial Loan Underwriting, Automated.

Aloan is the AI-native commercial loan origination system for community banks, credit unions, and commercial lenders. It takes the application, collects and reads the borrower's documents, spreads the financials, checks the deal against your credit policy, drafts a source-cited credit memo, routes it for sign-off and monitors covenants after close. Your team reviews and decides. Run Aloan as your commercial LOS, or alongside the one you already have.

An AI commercial lending platform automates the most time-consuming parts of underwriting: borrowers submit documents through a branded borrower portal, where each document is identified, categorized, and matched to the correct entity. Financial data is extracted and spread with every number mapped back to the source document. Risk flags are surfaced automatically, and a complete credit memo is generated, reducing the process from weeks to minutes.

Community banks, regional banks, credit unions, CUSOs, fintech lenders, non-bank lenders, real estate lenders, private equity firms, and M&A lenders use Aloan to run commercial underwriting: document collection, spreading, policy checks and the credit memo.

Aloan customers include Buckeye State Bank, Alliance Catholic Credit Union, and West Central Bank, among other community banks, credit unions, and commercial lenders.

Most lenders are live within 2–4 weeks. Aloan provides white-glove implementation. Platform setup, credit policy configuration, and data integrations are all handled. Your team does not need to write any code.

Only if you want it to. Run Aloan as your commercial LOS, or alongside the one you already have. A bank that already runs an LOS keeps it as the record of the booked loan and runs the work in Aloan: documents come in, and underwriters take completed spreads and source-cited credit memos into the approval workflow the bank already runs. A lender with nothing to replace, such as a bank standing up a commercial program or a credit union launching member business lending, runs Aloan as its commercial LOS from the first loan.

Every number in an AI-generated spread or credit memo links back to the exact source document and page. This full audit trail means examiners can verify any figure with a single click. No manual cross-referencing required. The revised interagency guidance (SR 26-2 and OCC Bulletin 2026-13) is risk-based and leaves generative AI out of its scope; in our view, source-page traceability is how a bank shows an examiner where each figure came from.

AI commercial underwriting software like Aloan processes tax returns, bank statements, financial statements (income statements, balance sheets, cash flow statements), rent rolls, operating statements, personal financial statements, debt schedules, and other common commercial lending documents. Each document is automatically identified, categorized, and matched to the correct borrower, guarantor, or related entity.

AI financial spreading software extracts financial data from source documents (tax returns, financial statements, bank statements) and organizes it into a standardized format for analysis. The AI spreads financials automatically, calculates key ratios like DSCR, leverage, and liquidity, and maps every number back to its source for full traceability.

An AI credit memo generator uses artificial intelligence to produce complete, examiner-ready commercial loan credit memos from source documents. The AI reads financial documents, spreads data, analyzes ratios and risk, and generates a structured memo with source-document citations on every number, ratio, and finding.

Aloan is an AI-native commercial loan origination system: it does the work of the loan file, spreading financials, detecting risk and drafting source-cited credit memos in minutes, with every number traced back to its source document and page, and your team reviews and decides. A bank that already runs nCino keeps it and runs the work in Aloan, with no migration; a bank without an LOS runs Aloan as its commercial LOS. Most lenders are live in 2 to 4 weeks.

Abrigo is an established community-bank suite that spans lending, credit risk, CECL, and compliance. Aloan is an AI-native commercial loan origination system that does the document processing, financial spreading, risk detection, and credit memo work, with every number cited to its source page. Run Aloan as your commercial LOS, or alongside Abrigo; Aloan can integrate with your existing stack through its REST API and webhooks, and most lenders are live in 2 to 4 weeks.

Traditional spreading tools speed up parts of manual spreading but still rely on analysts to key in figures, map line items, and assemble the credit memo by hand. Aloan automates the full path: documents are identified and matched to the right entity, financials are spread automatically, ratios like DSCR and leverage are calculated, and a complete credit memo is generated. Every figure links back to the exact source document and page, so spreads and memos are examiner-ready by default rather than manually reconciled.