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Aloan

Commercial Loan Underwriting, Automated.

Bank-grade AI that onboards borrowers, processes documents, spreads financials, generates credit memos, and monitors covenants.

Aloan is AI commercial loan underwriting built for speed and auditability. 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.

Get a demo

<30 min

from documents to a complete credit memo, even on complex deals

10x

underwriting throughput with the same team

99.3%

data extraction accuracy

Who we serve

What we cover

  • SBA
  • CRE
  • C&I
  • Equipment Finance
  • Ag

The problem with commercial underwriting today

Weeks chasing documents.

Days spreading financials.

Red flags still missed.

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

Speed wins deals. Slow underwriting loses them.

End-to-end commercial underwriting, automated.

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 2022FY 2023FY 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.

Credit Memo
Greenfield Manufacturing — $750K Term Loan
1. Executive Summary
2. Financial Analysis
3. Risk Assessment
4. Recommendation
12 citations · 4 flags addressed · 3 exhibitsGenerated

ONGOING MONITORING

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.

Covenant MonitorAll Clear
DSCR Covenant
Min 1.25x required
1.58x
Pass
Leverage Ratio
Max 3.5x allowed
2.4x
Pass
Working Capital
Min $200K required
$218K
Watch
Next collection: Q2 2025 financials · Due Jun 30

Data Fabric

Trace every number back to its source document.

See how rent rolls, operating statements, and tax returns connect to DSCR, LTV, and debt yield. An interactive visualization shows the full data flow.

Explore the data fabric

How it fits your stack

Standalone or alongside your LOS. Your call.

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.

Compare

Weighing Aloan against nCino, Abrigo, or Baker Hill?

See how an AI underwriting layer that works alongside your existing LOS compares to a full platform replacement: live in weeks instead of months, source-cited credit memos examiners can audit, and pricing built for community banks.

Compare platforms

Playbook

The AI underwriting playbook for commercial lenders.

How community banks, credit unions, and non-bank lenders are deploying AI across intake, spreading, risk detection, and credit memo generation, with concrete benchmarks and rollout patterns.

Read the playbook

Implementation

White-glove setup, zero technical burden.

We handle platform setup, policy configuration, and integrations. Your team focuses on lending.

Platform Setup
  • White-label branding
  • Custom workflows
  • Policy configuration
Integrations
  • LOS connection
  • REST API & webhooks
  • Custom reporting

Built by engineers from

Google logoApple logoMeta logoX logo

Aloan was built by engineers who previously shipped AI and infrastructure at Google, Apple, Meta, and X.

Security

Enterprise-grade security & compliance.

SOC 2 Type II
Bank-Level Encryption
Regulatory Compliant
Cyber Liability Coverage
Visit our Trust Center

Customer reviews

What lenders are saying.

“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.

on G2

“Underwriting in minutes what used to take days”

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.

on Capterra

“We 10x'd our underwriting output”

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.

on SourceForge

Frequently asked questions

What is Aloan?

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.

Aloan

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.

Get a demoRead the AI underwriting playbook