Industries
Built for the institutions that move commercial lending
Different regulators, different deal mix, different exam pressure. Aloan adapts to the institution type — the underlying platform stays the same.
OCC, FDIC, state-chartered
Community Banks
Sub-$10B institutions running broad commercial mix — CRE, C&I, SBA, owner-occupied, and ag — with small credit teams and exam pressure.
- Examiner-ready memos with citations
- Sits on top of nCino, Abrigo, Baker Hill
- OCC 2025-26 AI guidance aligned
- CRE concentration analysis built in
$10B–$100B+, OCC heightened standards
Regional Banks
Regional banks with multi-region footprints, multiple specialized lines of business, and formal model risk management. Standardize across the bank without replacing nCino or CreditLens.
- OCC heightened standards aligned
- SR 11-7 model documentation included
- Standardized output across regions
- API into Snowflake or Databricks
NCUA Part 723, MBL
Credit Unions
Member business lending under the 12.25% MBL cap, owner-occupied and small business focus, board credit committee documentation.
- NCUA Part 723 aligned
- Standardized board memos
- Self-employed borrower analysis
- Participation-loan ready
Multi-CU, multi-tenant
CUSOs
Credit Union Service Organizations running commercial-as-a-service across multiple member credit unions, with per-CU credit policy and format.
- Per-member credit policy
- One memo, many credit committees
- Participation-deal ready
- Hybrid bank/CU CUSO models supported
Specialty finance, fintech, equipment
Non-Bank Lenders
Specialty finance, equipment leasing, fintech lenders, marketplace and alternative lenders. Speed-driven, no LOS required, capital-partner-defensible.
- 24–48 hour decision cycles
- Capital-partner-defensible audit trail
- API-first for embedded flows
- Equipment finance EBITDAR built in
Loan brokers and mortgage bankers
Brokers
Commercial loan brokers, mortgage bankers, and debt placement advisors building lender-ready packages across CRE, C&I, SBA, and equipment.
- Lender-ready packages in hours
- Multi-lender template output
- Source citations on every figure
- CRE rent roll and T-12 native
CDFI Fund certified, mission-driven
CDFIs
Community Development Financial Institutions serving small business, affordable housing, and community facilities at loan sizes traditional banks cannot reach.
- Cuts per-deal cost 50–70%
- CDFI Fund TLR documentation support
- Handles non-standard documentation
- CRA-qualifying analytical record
How institution type shapes deployment
Same platform, different defaults
The underlying Aloan platform is the same regardless of institution type. What changes is the documentation surface, the credit memo format, the regulatory framing, and the integration pattern. Picking the right defaults for the institution type is what makes the platform feel native at deployment.
Regulatory documentation
Community banks get SR 11-7 and OCC 2025-26 alignment surfaced. Credit unions get NCUA Part 723 MBL framing. CDFIs get CDFI Fund TLR documentation support. Non-bank lenders get state-licensing-defensible audit trails. The documentation is generated for the regulator that actually examines the institution.
Credit memo format
Each institution's standardized memo format is configured once and applied automatically. Bank credit memos include the policy-exception and concentration sections examiners expect. Credit union memos are formatted for board credit committee review. CDFI memos hold room for the mission narrative. CUSO memos can be configured per member credit union.
Integration surface
Banks typically integrate Aloan on top of nCino, Abrigo, Baker Hill, MeridianLink, or Encompass. Credit unions integrate with Symitar, Corelation, FIS, or Fiserv. CUSOs run multi-tenant. Non-bank lenders often integrate via API into Salesforce, HubSpot, or a custom pipeline. The integration pattern is institution-type-aware.
Pricing model
Volume-based across institution types. The pricing math works for a 1B-asset community bank doing 300 commercial credits per year, a sub-$1B credit union doing 100 MBL credits, a CUSO running deals across 30 member CUs, and a CDFI doing 500 small mission credits. No enterprise-platform floor pricing.
FAQ
Common questions
Which institution types does Aloan serve?
Aloan serves community banks, regional banks, credit unions, CUSOs (Credit Union Service Organizations), non-bank commercial lenders (specialty finance, equipment finance, fintech, and alternative lenders), commercial loan brokers and mortgage bankers, and CDFIs (Community Development Financial Institutions). The platform spans the full commercial credit footprint outside the largest money-center banks — from $500M-asset community banks running ag and small CRE to $50B-asset regional banks with formal model risk management and broker shops placing debt across the lender market.
How does Aloan adapt to different regulatory regimes?
The underlying platform is the same regardless of regulator. What changes by institution type is the documentation, audit trail framing, and credit memo format that gets surfaced. Community banks under OCC/FDIC oversight get SR 11-7 model risk and OCC 2025-26 AI guidance documentation; regional banks at $50B+ get OCC heightened-standards (12 CFR 30 Appendix D) framing on top of the same governance pack; credit unions under NCUA get Part 723 MBL alignment; CDFIs get CDFI Fund TLR documentation support; non-bank lenders get state-licensing-defensible audit trails and capital-partner-friendly portfolio output; commercial brokers get the source-cited, lender-ready package output that lender-side underwriters and state broker examinations expect.
Can Aloan support an institution that fits multiple categories — a bank that also operates as a CDFI, or a credit union that runs a CUSO?
Yes. Many institutions sit across multiple categories: a community bank that's also CDFI-certified, a credit union that operates a CUSO, a non-bank lender with a CDFI subsidiary. Aloan handles the regulatory and documentation requirements of each context without requiring separate deployments. The institution configures the credit policies and reporting requirements per program, and the platform applies the right defaults for each deal.
How does institution type affect Aloan pricing?
Pricing is volume-based, tied to commercial deal flow rather than institution type. A community bank doing 200 commercial credits per year and a CDFI doing 200 commercial credits per year pay similar pricing. CUSOs running deals across many member credit unions pay based on aggregate deal volume, not per-member institution count. The economic model is consistent across institution types.
See Aloan tailored to your institution type
Pick the industry page that matches your charter for the deeper picture, or schedule a demo and we will configure the walkthrough to your regulator, deal mix, and operating model.