Aloan automates the manual underwriting work so your team closes more loans without adding headcount.
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.
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
We will walk through document extraction, policy checks, and credit memo generation with your workflow.
