Frequently asked questions

Aloan is an underwriting automation platform for commercial lenders. Our AI agents analyze borrower financials, extract key metrics, flag policy exceptions, and deliver decision-ready credit packages — turning days of manual spreading into minutes.

Aloan supports CRE loans, SBA lending, C&I lines of credit, equipment financing, and other commercial credit products. The platform handles the full range of borrower financial documents regardless of loan type.

Most platforms digitize forms. Aloan actually reads and analyzes financial documents — tax returns, rent rolls, operating statements, bank statements — then cross-validates data across documents and flags exceptions against your credit policy. You get a complete credit package, not just extracted fields.

No. Aloan handles the manual, repetitive work — document collection, financial spreading, data reconciliation — so your underwriters can focus on credit judgment and relationship management. Think of it as giving each underwriter a dedicated analyst.

We work with community banks, credit unions, and mid-market lenders. Whether you close 50 or 5,000 commercial loans per year, the platform scales to your volume without adding headcount.

Aloan processes 14+ document types including tax returns (1040, 1065, 1120), balance sheets, income statements, bank statements, rent rolls, operating statements (T-12), appraisals, personal financial statements, credit reports, lease agreements, purchase agreements, insurance certificates, and environmental reports.

Aloan reads and interprets the notes and footnotes in audited financial statements — not just the numbers on the face of the statements. This includes contingent liabilities, related-party transactions, off-balance-sheet items, and accounting policy disclosures that materially affect credit decisions.

Yes. You configure your policy parameters — DSCR minimums, LTV limits, occupancy thresholds, liquidity requirements, and more — and Aloan automatically flags exceptions against your specific guidelines. No generic one-size-fits-all rules.

Aloan extracts 100+ metrics including DSCR, LTV, debt-to-equity, occupancy rates, NOI, expense ratios, borrower liquidity, revenue trends, working capital, and leverage ratios. All metrics are mapped back to their source documents for full transparency.

Aloan compares data points across multiple documents to catch inconsistencies. For example, it validates that rent roll income matches the operating statement, that tax return revenue aligns with bank statement deposits, and flags variances above your configured thresholds.

Most lenders are live within 2-4 weeks. That includes configuring your credit policy, setting up document workflows, and connecting to your loan origination system. Basic integrations can go live in as little as 48 hours.

Yes. Aloan connects to your LOS via REST APIs and webhooks for real-time data transfer. We also support custom reporting and export formats to fit your existing workflows.

We start by mapping your credit policy and underwriting guidelines into the platform. Then we configure document collection workflows, connect your systems, and run parallel testing with your team before going live. Your existing processes stay intact.

Yes — Aloan is designed to work alongside your current systems, not replace them. There is no system migration required. Your team keeps using the tools they know while Aloan automates the manual work behind the scenes.

Yes. Aloan uses bank-level encryption, is SOC 2 certified, and is built specifically for regulated financial institutions. We carry cyber liability coverage and follow industry best practices for data protection.

Every document, extraction, calculation, and exception flag is logged with a full audit trail. Examiners can trace any data point back to its source document. This is built for regulatory scrutiny, not just convenience.

Aloan is SOC 2 certified and designed for regulated financial institutions. The platform maintains complete audit trails, supports examiner-ready reporting, and ensures all borrower data is handled in compliance with applicable banking regulations.