Bank-grade AI that onboards borrowers, processes documents, spreads financials, generates credit memos, and monitors covenants.
Aloan is an AI platform for commercial lending that takes lenders from borrower intake to a committee-ready credit memo, then monitors covenants after close. Every spread, credit memo, and risk flag traces back to its source document and page, giving credit committees and examiners a one-click audit trail.
Your underwriters trained for credit judgment, not data entry. Aloan does the document chasing and spreading, so their hours go to decisions.
See it in action
Watch Aloan turn documents into a credit memo.
End-to-end commercial underwriting workflow.
INTAKE & PREQUALIFICATION
Applications and document requests are generated automatically.
Aloan creates the application and the exact list of documents to request for each deal, then collects them through a branded borrower portal. Deal size, industry, geography, and credit criteria are checked against your credit policy in seconds, so only deals that pass your parameters reach an analyst's desk.
1
Submitted
2
Screened
3
Qualified
CompanyGreenfield Manufacturing
Revenue$4.2M
Request$750K Term Loan
IndustryManufacturing
Policy Screening Complete
4 of 4 criteria passed
Pre-Qualified
DOCUMENT INTELLIGENCE
Uploaded documents get automatically matched, processed, and validated.
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.
Document Processing3 of 4 matched
PDF
2024-tax-return.pdf
Tax Return → ABC Corp
✓
PDF
bank-stmt-q4.pdf
Bank Statement → ABC Corp
✓
XLS
financials-2024.xlsx
Financial Statement → ABC Corp
✓
?
Personal Financial Statement
Awaiting upload from borrower
Missing
AUTOMATED SPREADING
Financial spreads and ratios are automatically generated with audit trails.
Financial data is extracted and spread into your standardized format with every number mapped back to the exact source page. Debt service coverage, leverage, liquidity, and custom ratios are calculated directly from spread data.
Financial SpreadGreenfield Manufacturing
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
Computed Ratios
DSCR
1.58x
Leverage
2.4x
Current Ratio
1.82x
RISK DETECTION
Flags are proactively raised for the underwriter to review.
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.
Risk Flags4 items flagged
1
High
2
Medium
1
Low
DSCR below policy minimum
1.12x actual vs 1.25x required
Revenue declined 18% YoY
Q4 2024 vs Q4 2023
3 active UCC filings
Filed 2022–2024, secured assets
Customer concentration at 32%
Top customer share of revenue
CREDIT MEMO GENERATION
Credit memo gets automatically generated.
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 and page for full traceability.
Covenant testing and compliance tracking on autopilot.
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.
Aloan doesn't replace your loan origination system. Run it as a standalone underwriting layer, or feed extracted data, spreads, and memos directly into the LOS you already use.
Standalone
Replace manual spreading and memo prep.
Borrowers submit through a branded intake portal. Underwriters work spreads, flags, and credit memos directly in Aloan. No LOS required.
Embedded
Plug into the LOS you already run.
REST APIs and webhooks push extracted data, financial spreads, risk flags, and finished credit memos into your existing workflow, without replacing the systems your team already uses.
“Streamlines loan underwriting with remarkable speed”
Aloan allows you to go from application to credit memo within 30 minutes of the documents being uploaded. It massively decreased the amount of time underwriters needed to spend so they could focus on decisioning.
What used to take our team days of manual spreading and analysis now happens in minutes. The AI picks up on things we'd normally catch in a second or third pass (inconsistencies in financials, missing documentation) and flags them upfront.
Aloan's AI handles the heavy lifting on financial analysis: it pulls data from tax returns and financials, builds the spreads, and generates credit memos that actually look like our format. What used to take our analysts hours now takes minutes.
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.
How does Aloan speed up commercial underwriting?
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.
How long does it take to implement Aloan?
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.
Does Aloan replace my loan origination system?
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.
How does Aloan handle examiner audits and source-document traceability?
Every number in an Aloan-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.
What types of documents does Aloan process?
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.
What is automated financial spreading?
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.
How is Aloan different from nCino?
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.
How is Aloan different from Abrigo?
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.
How is Aloan different from traditional spreading software like Moody's, Sageworks, or FlashSpread?
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.
Ready to see this on one of your actual deals?
We will walk through document extraction, policy checks, and credit memo generation with your workflow.
