AI underwriting for commercial loan brokers and mortgage bankers

Brokers and mortgage bankers do not credit-decision the deal, but they live or die on package quality. The lender that receives a clean, source-cited financial summary, normalized rent roll, and pre-built global cash flow places the deal faster and rejects fewer files. Aloan compresses the work of building a defensible package from days to minutes — and gives the broker a consistent, professional output every lender on the placement list can ingest. The ROI is faster placement, fewer kicked-back files, and more deals closed per producer per quarter.

A CRM tracks the deal pipeline, an OM template formats the narrative, and a pitch deck markets the property. None of those produce the underwriting analysis itself — the spread, the global cash flow, the rent-roll normalization, the DSCR and debt yield calculations, the source-cited financial summary. That underwriting layer is what brokers typically build by hand in Excel and Word, and it is the bottleneck on package turnaround. Aloan sits underneath the CRM and OM workflow and produces the analytical content; brokers continue to use their CRM and OM templates on top.

Lenders trust source citations and reproducible math. Every figure Aloan produces links back to the exact page of the source document — the borrower's tax return, rent roll, T-12, bank statement, or operating statement. When the lender's underwriter wants to verify a number, they click through to the source. That is the same audit trail lender-side underwriters expect from their own analysis tools, and it is meaningfully better than the typical broker package which often presents pre-calculated numbers without traceable backing. Brokers using Aloan report fewer back-and-forth document requests from lenders, not more.

A common broker pain point is reformatting the same underwriting analysis into five different lender templates — bank A wants a different DSCR sensitivity, bank B wants a different rent roll format, debt fund C wants the EBITDAR add-back schedule. Aloan stores the underlying analysis once and outputs to multiple templates. The broker configures the templates each major lender on the placement list expects, and the same source-cited analysis flows into each. Time-to-placement drops because reformatting work disappears.

Most broker shops use Aloan to expand analyst capacity rather than to replace headcount. A 3-analyst shop running on Aloan handles the package volume that previously took 5–7 analysts, which lets producers run more deals per quarter without proportional analyst hires. The deal economics shift toward more producer leverage: each producer can keep more deals warm at once, package faster turnaround during competitive bidding, and spend more time on origination than on document chasing.

CRE brokers run a specific analytical pattern on every deal: rent roll normalization, T-12 walkdown, NOI stabilization, DSCR at multiple stress levels, debt yield, sponsor global cash flow, and the property-level operating story. Aloan handles each of those steps natively. Multifamily rent rolls, retail sales-per-square-foot, industrial NNN reconciliation, hotel STAR-report integration, and office TI/LC pro forma logic are all supported out of the box. Brokers placing debt on $5M–$100M+ CRE deals use Aloan to compress the analysis layer and get the OM-supporting financials together same-day rather than next-week.

Yes. SBA brokers and packagers use Aloan for the multi-guarantor global cash flow and eligibility documentation that SBA lenders require. The platform produces the spread, the personal financial statement reconciliation, the multi-entity reasoning across guarantors and operating entities, and the supporting documentation that SBA lenders expect to see in a clean package. PLP-friendly documentation and the supporting schedules are produced in the format SBA underwriters work with.

Aloan is not a regulated activity itself; it is software that produces analytical content. The broker remains the licensed party under whatever state regime applies (California Finance Lender, NY mortgage broker for CRE financing, equivalent state statutes elsewhere). Aloan helps with the documentation discipline that state examinations look at — every package the broker produces has consistent, source-cited analysis behind it, which makes the broker's file review meaningfully easier when a state examiner shows up.

Pricing is volume-based, tied to packages produced rather than seat count. A single independent broker producing 30–50 packages a year and a 5-broker shop producing 200–300 packages a year both pay reasonable five-figure annual pricing. The relevant comparison is producer time saved per package — most brokers see Aloan pay for itself on the first 20–30 packages, then everything after that is producer leverage and faster placement.