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Aloan vs Blooma
Blooma is a purpose-built CRE underwriting platform — property-data-first, with scenario modeling and market-stress monitoring. Aloan covers C&I and CRE together, with tax-return spreading, global cash flow, and examiner-ready cited credit memos — for community banks whose portfolio isn't CRE-only.
How do Aloan and Blooma compare?
Blooma is an AI-powered CRE-only lending platform with two named modules: Origination Intelligence (deal screening, rent roll and T-12 parsing, comparable analysis, scenario modeling on cap rates and vacancy) and Portfolio Intelligence (market-driven stress testing and alerts). Blooma's own solutions page explicitly scopes out C&I, owner-occupied CRE, residential, and SBA. Aloan is an AI-native underwriting overlay for community banks and credit unions that covers both C&I and CRE across the full commercial document set — tax returns (1040 / 1120 / 1120S / 1065), K-1s, Schedule E rentals, bank statements, rent rolls, and T-12s — produces examiner-ready credit memos where every number traces to the source page, and monitors document-driven covenants post-booking. Choose Blooma when your institution is a CRE-specialty bank or debt fund that wants property-economics depth, scenario modeling, and market-stress portfolio monitoring. Choose Aloan when your portfolio is mixed C&I and CRE, your underwriting leans on tax returns and K-1s for guarantor global cash flow, and you need cited memos and covenant tracking that examiners can review file-by-file.
- Covers both C&I and CRE — one tool for a mixed portfolio
- Covers owner-occupied CRE and SBA workflows
- Tax return spreading across 1040 / 1120 / 1120S / 1065 / K-1 / Schedule E
- Global cash flow across borrowing groups and guarantors
- Credit memo generation with source citations
- Covenant monitoring tied to loan-document tests
- Purpose-built for CRE — scenario modeling on cap rates and vacancy
- Deep rent roll and T-12 parsing with multi-period support
- Portfolio Intelligence: market-driven stress testing and alerts
- Comparable ranking configurable by asset class
- CRE only — no C&I, owner-occupied, residential, or SBA coverage
- No marketed credit memo generation or source citations
CRE-only platform · Origination Intelligence + Portfolio Intelligence · Scenario modeling · Rent roll and T-12 parsing
When should you choose Aloan vs Blooma?
Choose Aloan when:
- →Your portfolio is mixed C&I and CRE and you want one tool for both
- →You underwrite owner-occupied CRE, SBA 7(a) / 504, or small business C&I
- →Your credit analysts build global cash flow from tax returns, K-1s, and Schedule E
- →Examiner-ready credit memos with source-cited numbers are a hard requirement
- →You need covenant monitoring driven by loan-document tests — DSCR, LTV, financial reporting tickler
- →You want an overlay on your existing LOS, not a CRE-specific point tool
Choose Blooma when:
- →Your institution is a CRE-specialty bank, debt fund, or insurance lender — CRE only
- →Scenario modeling on cap rates, vacancy, and revenue assumptions is core to your process
- →Bridge and construction lending with multi-year forward projections is a primary asset class
- →Portfolio-wide market stress testing (rate, cap, vacancy) is the monitoring you want
- →You don't need an integrated C&I, owner-occupied, or SBA workflow in the same tool
- →Property-data depth and comp ranking by asset class are your primary differentiators
Detailed feature comparison
Product Scope
| Feature | Aloan | Blooma |
|---|---|---|
| Asset coverage | C&I, CRE (investor and owner-occupied), SBA | CRE only — explicitly excludes C&I, owner-occupied CRE, residential, and SBA |
| Named modules | Document intelligence, automated spreading, credit memo generation, covenant monitoring | Origination Intelligence, Portfolio Intelligence |
| Packaging tiers | Single product scoped for community-bank credit teams | Blooma Pro and Blooma Enterprise |
| Deployment model | Overlay on existing LOS — no migration | Augmentation overlay on existing LOS/CRM |
Document Intelligence
| Feature | Aloan | Blooma |
|---|---|---|
| Tax return coverage (1040, 1120, 1120S, 1065, K-1, Schedule E) | Native end-to-end; reconciles K-1s across tiered partnerships | Tax return and K-1 parsing exist; property-economics-first orientation |
| Bank statement extraction | Native, feeds cash flow analysis | Not a marketed feature |
| Rent roll parsing | Native for CRE deals | Multiple rent rolls per deal with effective dates |
| P&L / T-12 line-level parsing | Native for CRE deals | Line-level; historical P&L + up to 5 years of projections on construction/bridge |
| Source-cited output | Every number traces to exact page | Not a marketed output |
Commercial Analysis
| Feature | Aloan | Blooma |
|---|---|---|
| UCA cash flow | Native UCA output with citations | Not produced |
| EBITDA reconciliation (incl. M-1 / M-2) | Native on 1120 / 1120S / 1065 | Not produced |
| Global cash flow across borrowing groups and guarantors | Automated multi-entity consolidation | Property-deal-level; guarantor GCF not advertised |
| CRE analysis (rent roll, NOI, DSCR, LTV, debt yield) | Native | Core strength, with scenario modeling on cap rates and vacancy |
| Scenario modeling on cap rates / vacancy / revenue | Not a primary product surface | Unlimited per-deal scenarios with custom cash flows and cap rates |
Workflow Outputs
| Feature | Aloan | Blooma |
|---|---|---|
| Credit memo generation | Native, examiner-ready, cited memos | Not a marketed feature |
| Risk rating | Auto-generated risk flags; supports bank-owned scorecard | Not publicly documented as a native output |
| Document-driven covenant monitoring (DSCR, LTV, tickler) | Native post-booking tracking and alerts | Not a marketed feature |
| Market-driven portfolio stress testing (rate, cap rate, vacancy) | Not in scope | Portfolio Intelligence — 24/7 alerts on rate / cap / vacancy / concentration |
| Annual review workflow | Native | Not publicly documented |
Institution Fit
| Feature | Aloan | Blooma |
|---|---|---|
| Community banks with mixed C&I + CRE portfolio | Purpose-built — one tool for both halves of the book | Cannot underwrite the C&I half — by Blooma's own scope |
| CRE-specialty banks and debt funds | Supported | Directly targeted — incubated inside a CRE-specialty bank |
| Credit unions | Purpose-built | Addressed in Blooma's community-bank / CU marketing |
| Insurance lenders and life-cos | Not primary ICP | Addressed in Blooma's solutions page |
| Owner-occupied CRE (dental, medical, warehouse, restaurant) | Supported | Explicitly excluded |
Picking between a CRE specialist and a commercial-credit platform
Blooma and Aloan don't sit in the same category, even though both have 'AI underwriting' in the headline. Picking between them starts with naming what your portfolio actually looks like.
What Blooma does better
Blooma is genuinely purpose-built for CRE. Its scenario modeling on cap rates, vacancy, and revenue assumptions is native and unusually deep — unlimited per-deal scenarios with custom cash flows, line-by-line comparison, and comp ranking configured per asset class. Its Portfolio Intelligence module monitors the whole book against market shifts — rate, cap rate, vacancy, concentration risk — with 24/7 alerts, which most C&I-first competitors don't do as a first-class product. For a CRE-specialty bank, debt fund, or insurance lender whose entire credit process runs on property economics, Blooma is a strong, focused fit.
Where Blooma's scope stops
Blooma's own solutions page is explicit: the platform does not cover C&I lending, owner-occupied CRE, residential, or SBA. For a community bank whose book is a 60/40 or 70/30 split between CRE and C&I, that means Blooma can underwrite one half of the portfolio at best. The owner-occupied CRE exclusion is also meaningful — a lot of community-bank CRE volume is warehouse, dental and medical office, restaurant real estate, and similar owner-occupied deals that Blooma doesn't address.
Where Aloan is the better fit
Aloan is built for community-bank credit teams whose underwriting leans on the full document set — tax returns (1040, 1120, 1120S, 1065), K-1s reconciled across tiered partnerships, Schedule E rentals rolled into personal and global cash flow, and bank statements — not just property economics. Aloan produces an examiner-ready credit memo where every number traces to the exact page of the source document, and monitors document-driven covenants (DSCR, LTV, financial-reporting tickler, depository balance) post-booking. Those three things — tax-return spreading depth, cited memos, document-driven covenants — are not Blooma's marketed strengths.
A note on market-driven vs. document-driven monitoring
Blooma's Portfolio Intelligence monitors CRE exposure against market inputs — rate moves, cap-rate compression, vacancy, concentration. Aloan's covenant monitoring is a different thing: it tracks the tests written into each loan agreement (DSCR floors, LTV maximums, financial reporting frequency, depository balance minimums) and triggers annual reviews. A CRE-specialty lender often wants both; a community-bank credit team that's already watching rate and CRE concentration in its ALM process typically needs the document-driven covenant tracking more than a second market-stress layer.
How Aloan works
One tool across C&I and CRE. Upload the full credit file. Get a cited memo back.
Upload the full credit file
Drop in tax returns (1040, 1120, 1120S, 1065), K-1s, Schedule E rentals, financial statements, rent rolls, T-12s, and bank statements. Aloan accepts the full C&I or CRE credit file — owner-occupied included.
AI reads every line
Aloan reads every line of every document to spread financials, reconcile K-1s into personal and global cash flow, compute UCA cash flow, EBITDA, DSCR, LTV, and debt yield — and flag footnoted risks.
Review cited analysis
Every extracted number includes a citation to the exact source document and page. Your analyst verifies the AI's work instead of rekeying from PDFs.
Generate memo + monitor covenants
Aloan produces an examiner-ready credit memo in your institution's format, then tracks document-driven covenants and annual reviews post-booking.
Documents to complete credit memo in minutes — not days.
See it on your dealFrequently asked questions
What is the difference between Aloan and Blooma?
Blooma is a CRE-only underwriting platform with scenario modeling on cap rates, vacancy, and revenue, plus portfolio-wide market-stress monitoring. Its own solutions page excludes C&I, owner-occupied CRE, residential, and SBA. Aloan is an AI-native underwriting overlay for community banks that covers both C&I and CRE across the full document set, produces credit memos with source citations, and monitors document-driven covenants post-booking.
Does Blooma handle C&I lending?
No. Blooma's published solutions scope explicitly excludes C&I lending, owner-occupied real estate, residential, and SBA. A community bank with a mixed C&I and CRE portfolio would need a second tool or stay manual for the C&I half of the book.
How deep is Blooma's tax return spreading?
Blooma does parse tax returns and K-1s (confirmed in its help center), but its product depth and marketing emphasize property economics — rent roll, T-12, scenario modeling, comps. Multi-entity K-1 reconciliation across tiered partnerships and Schedule E rentals rolled into global cash flow are not advertised as marketed strengths. Aloan treats the full tax-return set (1040, 1120, 1120S, 1065, K-1, Schedule E) as a first-class workflow.
Does Blooma produce credit memos with source citations like Aloan?
Credit memo generation and source citations are not part of Blooma's public product. Blooma's outputs are oriented around deal screening, financial spreads, scenario models, and portfolio alerts. Aloan produces an examiner-ready credit memo where every extracted number traces to the exact source document and page.
What does Blooma do better than Aloan?
Blooma is purpose-built for CRE and goes deeper on property-economics scenario modeling, cap-rate and vacancy stress testing, and portfolio-wide market monitoring. For a CRE-specialty bank, debt fund, or insurance lender whose entire credit process runs on property data and market stress, Blooma is a more focused fit. Aloan is not competing with Blooma on cap-rate scenario modeling depth.
Can Aloan and Blooma be used together?
Yes. A community bank running Blooma for CRE investor-deal scenario modeling and portfolio market-stress monitoring can deploy Aloan for the C&I, owner-occupied CRE, and SBA half of the portfolio — and use Aloan for the cited-memo and document-driven covenant layer. The two tools target different scopes and can coexist.
See Aloan on your C&I and CRE deals
Upload the full credit file — tax returns, K-1s, Schedule E, rent rolls, bank statements. Get a cited credit memo back in minutes.
No setup fees · Deploy in 2–4 weeks · One tool for C&I and CRE
Last updated: April 2026