Commercial Loan Underwriting, Automated.

Aloan is an AI-powered commercial loan underwriting automation platform. It combines AI financial spreading software, an AI credit memo generator, and AI risk detection in one platform, so underwriters at community banks, credit unions, and commercial lenders can close more loans without adding headcount.

An AI commercial lending platform automates the most time-consuming parts of underwriting: borrowers submit documents through a branded intake portal, those documents are automatically 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 an AI commercial underwriting platform like Aloan to automate commercial underwriting workflows.

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

No. A purpose-built AI commercial underwriting platform like Aloan is designed to work alongside the existing LOS. It connects via REST APIs and webhooks, feeding extracted data, spreads, and credit memos directly into the current workflow and systems. No migration required.

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. This source-page traceability meets examiner expectations under the revised interagency guidance (SR 26-2 and OCC Bulletin 2026-13) and proportional community-bank standards (OCC Bulletin 2025-26).

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.

nCino is a full loan origination and banking platform that typically replaces existing systems over a multi-month implementation. Aloan is an AI-native underwriting layer that runs alongside the loan origination system you already use, so there is no migration. Aloan focuses on the analysis work: it spreads financials, detects risk, and generates source-cited credit memos in minutes, with every number traced back to its source document and page. 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 a focused AI underwriting platform that automates document processing, financial spreading, risk detection, and credit memo generation, then feeds the results into the loan origination system or credit workflow you already run through REST APIs and webhooks. It is designed to deploy in weeks without replacing the systems your team already uses.

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.