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Aloan vs UPTIQ
Two AI-first platforms for commercial lending. Aloan goes deep on underwriting auditability. UPTIQ goes broad across lending, wealth, and digital banking with an AI agent platform.
How do Aloan and UPTIQ compare?
Aloan is an AI-powered underwriting automation platform that overlays your existing LOS, automating financial spreading, document analysis, risk flagging, and credit memo generation with source-document citations. UPTIQ (formerly Cion Digital) is an AI agent platform for financial services with modules spanning commercial lending, retail lending, wealth management, and digital banking. Both offer AI-powered underwriting, but Aloan focuses on auditability and commercial depth while UPTIQ spreads across multiple business lines.
- Every number cites exact source page & line — examiner-ready
- Deploy in days — no multi-month implementation
- AI reads every line — surfaces buried risks in financials
- 100% focused on commercial underwriting
- Post-booking covenant monitoring and annual reviews
- Broad AI agent platform: lending, wealth, digital banking
- 140+ financial institutions on the platform
- No-code agent builder (Qore) for custom workflows
- Spread across 6+ product lines — commercial lending is one of many
- 3–4 month implementation timeline
Dallas, TX · $25M Series B · 140+ FIs · Formerly Cion Digital
When should you choose Aloan vs UPTIQ?
Choose Aloan when:
- →Source-document auditability is critical — examiners need to verify every number
- →Your bottleneck is specifically commercial underwriting speed
- →You want to deploy in days, not months
- →You need deep analysis of complex multi-entity commercial and CRE deals
- →You want a focused vendor whose entire engineering team builds for commercial underwriting
- →You want to pilot on a few deals before committing
Choose UPTIQ when:
- →You want a single AI platform spanning lending, wealth, and digital banking
- →You're a credit union looking for Curql-backed vendor relationships
- →No-code agent customization is important for your team
- →You need AI for retail lending and SMB digital banking alongside commercial
- →You want a broad AI platform play rather than a focused underwriting tool
Detailed feature comparison
Architecture & Implementation
| Feature | Aloan | UPTIQ |
|---|---|---|
| Architecture | Overlay on existing LOS | AI agent platform (overlay approach) |
| Implementation Time | Days | 3–4 months to full production |
| Product Focus | 100% commercial underwriting | Lending + wealth + digital banking + fintech builder |
| Engineering Focus | Entire team on commercial underwriting | Split across 6+ product lines |
| Customization | AI auto-configures from credit policy docs | No-code Qore builder for custom agents |
Underwriting & Document Analysis
| Feature | Aloan | UPTIQ |
|---|---|---|
| Document Analysis Depth | AI reads every line — surfaces buried risks | Smart data capture and doc processing |
| Source-Document Citations | Every number traces to exact page and line | Not emphasized — no source-level traceability |
| Financial Spreading | Automated with full audit trail | Automated spreading |
| Credit Memo Generation | Complete memos with cited sources | 70% faster credit memo generation (claimed) |
| Risk Flagging | Auto-detects NSF fees, UCC liens, revenue decline, footnotes | Real-time alerts (98.5% accuracy claimed) |
| Credit Policy Ingestion | AI reads policy docs and auto-configures | Policy application via agent configuration |
Commercial Lending Depth
| Feature | Aloan | UPTIQ |
|---|---|---|
| Complex Commercial Deals | Built for multi-entity, guarantor analysis | Commercial lending agent |
| CRE Lending | Rent roll, NOI, DSCR, LTV, debt yield analysis | General commercial support |
| Post-Booking Monitoring | Covenant monitoring, annual reviews, early warning | Covenant monitoring agent available |
| Global Cash Flow Analysis | Automated multi-entity cash flow consolidation | Not specifically highlighted |
Platform Breadth
| Feature | Aloan | UPTIQ |
|---|---|---|
| Retail Lending | Not available | Retail lending agents |
| Wealth Management | Not available | Wealth onboarding and advisor tools |
| Digital Banking / SMB | Not available | SMB engagement with 100+ app integrations |
| Government Guaranteed Lending | SBA underwriting analysis supported | SBA and govt guaranteed lending agents |
| Fintech Builder Platform | Not available | Qore platform for custom agent development |
Trust & Compliance
| Feature | Aloan | UPTIQ |
|---|---|---|
| Examiner Readiness | Source-cited audit trails — one-click verification | Standard compliance output |
| Auditability | Trace every AI output to source document and page | Not specifically highlighted in materials |
| AI Positioning | AI-assisted (human decides, AI prepares) | "Outcome-driven AI agents" — autonomous framing |
The fundamental difference: Depth vs. breadth in AI
Both Aloan and UPTIQ use AI for commercial lending. The question is: how deep does the AI go on the analysis that matters most?
Aloan: Deep, auditable underwriting
Aloan's entire AI is built for one purpose: reading commercial lending documents and producing analysis that stands up to examiner scrutiny. Every number traces to a source document, page, and line. The AI reads every line of every document — not just headers — to surface buried risks like footnoted contingencies, NSF patterns, or declining revenue trends.
UPTIQ: Broad AI agent platform
UPTIQ offers AI agents across commercial lending, retail lending, wealth management, digital banking, and a builder platform for fintechs. Their commercial lending suite includes credit intake, underwriting, and covenant monitoring agents. The breadth is impressive, but engineering resources are split across 6+ product lines.
The auditability question
When examiners review an AI-generated credit memo, they ask: where did this number come from? Aloan answers that with source-document citations at the page and line level. UPTIQ's marketing emphasizes speed and accuracy metrics but does not highlight source-level traceability — a critical gap for regulatory-conscious institutions.
140 customers — but where?
UPTIQ reports 140+ financial institutions on their platform. However, many of these are wealth management firms and credit unions using non-lending products. When evaluating UPTIQ for commercial lending specifically, ask how many institutions are live on the commercial underwriting agents and what their typical deal complexity looks like.
How Aloan works
Upload documents. Get a cited credit memo. Keep your existing systems.
Upload documents
Drop in tax returns, financial statements, rent rolls, bank statements, and any supporting documents. Aloan accepts all standard commercial lending document types.
AI analyzes everything
Aloan reads every line of every document — not just headers and totals. It spreads financials, calculates ratios, identifies risks, and cross-references across documents automatically.
Review cited analysis
Every extracted number includes a citation to the exact source document, page, and line. Your team verifies instead of recreates — cutting review time from hours to minutes.
Generate credit memo
Aloan produces a complete, examiner-ready credit memo with your institution's format, all backed by source citations. Ready for committee presentation.
Documents to complete credit memo in minutes — not days.
See it on your dealFrequently asked questions
What is the difference between Aloan and UPTIQ?
Aloan is an AI-powered underwriting automation platform focused exclusively on commercial lending — automating financial spreading, document analysis, and credit memo generation with source-document citations. UPTIQ (formerly Cion Digital) is a broader AI agent platform for financial services spanning commercial lending, retail lending, wealth management, and digital banking. Aloan goes deeper on underwriting auditability; UPTIQ goes broader across business lines.
Does UPTIQ offer source-document citations like Aloan?
UPTIQ's marketing materials emphasize speed metrics (41% faster underwriting, 70% faster credit memos) and accuracy rates but do not highlight source-document traceability. Aloan's core differentiator is that every extracted number traces to the exact page and line of the original document — critical for examiner verification and regulatory compliance.
How does implementation time compare between Aloan and UPTIQ?
Aloan deploys in days as an overlay on existing systems with no migration required. UPTIQ implementations typically take 3–4 months to reach full production, involving agent configuration, integration setup, and workflow customization.
Is UPTIQ only for commercial lending?
No. UPTIQ is a multi-segment platform covering commercial lending, retail lending, government guaranteed lending, wealth management, digital banking, and a fintech builder platform (Qore). Commercial lending is one of several product lines. Aloan is 100% focused on commercial underwriting automation.
Can Aloan work alongside UPTIQ?
Yes. Aloan is designed as an overlay that works with any existing system. If an institution uses UPTIQ for broader lending or digital banking workflows, Aloan could complement it by adding deep, source-cited underwriting analysis specifically for complex commercial deals.
Which is better for complex commercial and CRE deals?
Aloan is purpose-built for complex commercial lending including multi-entity structures, guarantor analysis, and CRE underwriting with rent roll analysis, NOI, DSCR, LTV, and debt yield calculations. UPTIQ offers commercial lending agents but is designed as a general-purpose platform across multiple lending types and business lines.
See Aloan on one of your actual deals
Upload your documents. Get a cited credit memo back in minutes. No multi-month implementation.
No setup fees · Deploy in days · Works with your existing LOS