Aloan automates the manual underwriting work so your team closes more loans without adding headcount.
Aloan is an AI-powered commercial underwriting automation platform for community banks, credit unions, and commercial lenders.
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Who we serve
The problem with commercial underwriting today
Weeks chasing documents.
Days spreading financials.
Red flags still missed.
Your underwriters are valuable. Stop wasting their time on data entry and document management. Let Aloan do the heavy lifting.
See it in action
INTAKE & PREQUALIFICATION
Applicants submit information and upload documents through a single intake experience. Deal size, industry, geography, and credit criteria are checked against your policy in seconds — only deals that pass your parameters reach an analyst's desk.
DOCUMENT INTELLIGENCE
Tax returns, bank statements, and financial statements are identified, categorized, and validated for completeness on upload. Each document is matched to the correct borrower, guarantor, or related entity — even across complex multi-entity structures.
AUTOMATED SPREADING
Financial data is extracted and spread into your standardized format with every number mapped back to the exact source page and line item. Debt service coverage, leverage, liquidity, and custom ratios are calculated directly from spread data.
| FY 2022 | FY 2023 | FY 2024 | |
|---|---|---|---|
| Revenue | $3.1M p.3 | $3.6M p.3 | $4.2M p.2 |
| COGS | $2.2M | $2.4M | $2.7M |
| Net Income | $310K p.5 | $402K p.5 | $478K p.4 |
RISK DETECTION
Revenue declines, high NSF activity, UCC liens, covenant breaches, and concentration risks are surfaced before the analyst spots them. Deals that fall outside credit policy parameters are flagged with specific exceptions before they reach committee.
CREDIT MEMO GENERATION
A complete credit memo with borrower overview, financial analysis, risk factors, and recommendation — assembled from your data. Every figure and finding links to the source document, page, and line for full traceability.
ONGOING MONITORING
Scheduled document collection, automated covenant testing, and early warning alerts keep your portfolio in check. DSCR, leverage, working capital, and custom covenants are tested each reporting period with results delivered to your team.
Data Fabric
See how rent rolls, operating statements, and tax returns connect to DSCR, LTV, and debt yield — with an interactive visualization of the full data flow.
Implementation
We handle platform setup, policy configuration, and integrations. Your team focuses on lending.
Security
Aloan is an AI-powered commercial underwriting automation platform. It automates document collection, financial spreading, risk detection, and credit memo generation — so underwriters at community banks, credit unions, and commercial lenders can close more loans without adding headcount.
Aloan 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.
Most lenders are live within 2–4 weeks. Aloan provides white-glove implementation — we handle platform setup, credit policy configuration, and LOS integrations. Your team does not need to write any code.
No. Aloan is designed to work alongside your existing LOS. It connects via REST APIs and webhooks, feeding extracted data, spreads, and credit memos directly into your current workflow and systems.
Every number in an Aloan-generated spread or credit memo links back to the exact source document, page, and line item. This full audit trail means examiners can verify any figure with a single click — no manual cross-referencing required.
Tax returns, bank statements, financial statements, rent rolls, operating statements, and other common commercial lending documents. Each document is automatically identified, categorized, and matched to the correct borrower, guarantor, or related entity.
Automated financial spreading extracts financial data from source documents like tax returns and financial statements, organizing it into a standardized format for analysis. Aloan calculates key ratios like DSCR, leverage, and liquidity, and maps every number back to its source for full traceability.
We will walk through document extraction, policy checks, and credit memo generation with your workflow.
