Pricing
Pricing built around your deal volume, not your headcount.
Aloan is priced on what we actually do — process your deals. Each contract is sized to your portfolio mix, application volume, and the features your team needs.
Send us your typical deal volume and we'll send a custom quote within one business day. No multi-year lock-ins, no per-seat licensing, no Salesforce platform tax.
How we price
A pricing model that aligns with how lenders actually work.
Three principles shape every Aloan contract.
Usage-based, not per-seat
You pay for the documents Aloan processes, not how many analysts log in. Your whole team can use the platform without us metering on headcount.
Tailored to your portfolio mix
A bank doing complex CRE and SBA pays differently than one running mostly small-ticket C&I. We size the contract to your actual document load, not a generic tier.
Monthly minimum + per-doc overage
A predictable floor for budgeting, plus usage-based overage when volume spikes. No surprise invoices, and no paying for capacity you don't use.
Plans
Three plans. Custom pricing on each.
Plans are differentiated by feature scope, not by tiered volume gates. Within any plan, we size the contract to your real document volume.
Starter
For a single underwriter or a pilot team testing Aloan on real deals.
Pricing
Custom — sized to your volume
- Single underwriter or pilot team
- Core spreading, key metrics (DSCR, LTV)
- Email support
- 1-week free trial available
Professional
For lending teams processing multiple commercial deals every week.
Pricing
Custom — sized to your volume
- Multi-seat lending team
- Default credit memo generation
- Priority support and onboarding
- 1-week free trial available
Enterprise
For multi-billion-dollar institutions, CUSOs, and multi-bank deployments.
Pricing
Custom — sized to your volume
- Policy ingestion against your underwriting guidelines
- Customizable credit memos and spreading
- Audit logging, SSO, access controls
- Unlimited seats and dedicated CSM
Not sure which plan fits? We'll figure it out together on a 20-minute call.
Every plan includes
The core platform ships with every contract.
Aloan is one platform — not a base product plus a stack of add-on modules. These ship on Starter, Professional, and Enterprise alike.
AI document extraction
Multi-model pipeline classifies, extracts, and verifies every uploaded document.
Financial spreading
Tax returns, balance sheets, income statements, and cash flow statements — automatically spread.
Key metrics & ratios
DSCR, LTV, debt yield, leverage, liquidity — calculated directly from the source documents.
Metric verification
Cross-checks extracted data against source documents and flags variances above your thresholds.
Multi-entity support
Borrowers, guarantors, sellers, and related entities across complex ownership structures.
Data request management
Track, request, and collect documents from borrowers and brokers without leaving the platform.
Free compliance storage
OFAC, UCC, SAM, government IDs, SBA forms — stored at no per-document cost.
SOC 2 Type II security
Bank-grade encryption, full audit trails, and AI inference through Google Vertex AI and AWS Bedrock.
Who we work with
Built for commercial lenders, not consumer fintechs.
Aloan is purpose-built for institutions underwriting commercial credit. If you're in one of these segments, we'll have a productive conversation about pricing.
Community banks
$500M–$10B AUA running broad commercial books — CRE, SBA, C&I, equipment.
Regional banks
$10B–$100B+ banks operating under heightened standards and with examiner scrutiny.
Credit unions
Member business lending teams operating under MBL caps and NCUA oversight.
CUSOs
Multi-credit-union service organizations standardizing underwriting across institutions.
Non-bank lenders
Specialty finance, alternative, and equipment lenders looking to scale without adding headcount.
CDFIs
Mission-driven lenders processing small business and community development loans.
Contract structure
How a typical Aloan engagement is structured.
The model is the same whether you're a community bank running 100 deals a year or a CUSO running 5,000.
Annual contract
Typically a 12-month term, with month-to-month available for pilots and smaller engagements.
Monthly minimum sized to your typical volume
We size the floor against your actual application and deal volume — not a generic tier.
Per-doc overage above the minimum
When volume spikes, you pay incrementally. When it dips, you're never paying for capacity you didn't use.
One-time implementation
Covers policy ingestion, custom memo templates, LOS integration, and team training. Invoiced at signing.
Billed monthly, Net 30
Straightforward invoicing in arrears. No long auto-renews, no per-seat licensing fees, no Salesforce platform tax.
Sized to the institution
Pricing reflects your asset base, deal volume, portfolio mix, and the features your team actually needs.
How to think about cost
Two anchors most CLOs use when sizing Aloan.
Versus a junior credit analyst
Below the fully loaded cost of one analyst.
A junior commercial credit analyst in the U.S. typically costs $65K–$90K fully loaded. Aloan engagements usually land below that number — while doing the document and spreading work of 2–3 analysts. The platform compounds your existing team rather than replacing them.
Versus legacy lending platforms
Comparable scope, none of the platform tax.
Legacy commercial lending vendors typically run $50K–$300K+ per year, with multi-year contracts, per-seat licensing, and (in nCino's case) an underlying Salesforce platform fee. Aloan is usually comparable or lower at equivalent scope — without any of those structural costs.
Why custom?
Why we don't post a price.
A single posted number would over-charge half our customers and under-spec the other half. Three things drive the variation, and we'd rather get it right than get it average.
Deal volume varies 10x across our customers.
Some lenders run 50 deals a year, others run 5,000. Pricing for the median would either price out the smaller lender or leave money on the table for the larger one.
Portfolio mix drives document complexity.
A complex CRE or SBA deal might involve 200+ documents. A simpler C&I deal might involve 50. We size the contract against the kind of deals you actually run.
Feature scope is different for every institution.
Policy ingestion against your written underwriting guidelines, customizable credit memo templates, white-labeling for CUSO deployments, SSO and access controls — these aren't every customer's needs, so we shouldn't price like they are.
10x
faster from application to credit memo
90%
less manual data entry per deal
100%
of figures cite back to source documents
Outcomes vary by portfolio mix and current analyst capacity. We'll run your real deals during evaluation so you can measure these on your own data before signing.
Get a quote
Tell us about your deal flow.
Share your institution and what you're underwriting. We'll send back a custom quote — with a monthly minimum, per-doc overage rate, and implementation fee — within one business day.
- A custom quote sized to your actual application and deal volume
- A side-by-side cost comparison versus your incumbent (nCino, Abrigo, Moody's, MeridianLink)
- A walkthrough of how Aloan would run on one of your real deals
Prefer to skip the form?
Email support@aloan.ai with your institution, typical annual deal volume, and average loan size — we'll get pricing back to you the same way.
Pricing
Request a custom quote
A real person responds within one business day. No marketing sequences, no nurture funnel.
FAQ
Pricing questions, answered.
Do you publish list pricing?
No. Aloan's pricing is built around your deal volume, portfolio mix, and the features your team needs — so a single posted number would either over-charge smaller lenders or under-spec larger ones. We send a custom quote within one business day of your request.
How is pricing structured?
Most engagements are a monthly minimum sized to your typical document volume, plus a per-document overage rate for months when you exceed it. There's a one-time implementation fee at the start of the contract. We don't charge per-seat licensing, and there's no Salesforce platform fee on top.
What's a typical contract length?
Twelve months is the standard term, with monthly billing in arrears (Net 30). Month-to-month is available for pilot deployments. We don't lock customers into multi-year contracts, and renewals are not automatic — we re-quote each term against actual usage.
Is there a free trial?
Yes. Starter and Professional plans include a one-week free trial so you can run a real deal through the platform before signing. For Enterprise engagements, we typically run a paid pilot on a sample of your existing pipeline before the full contract.
Do you charge per seat?
No. Pricing is based on documents processed, not the number of analysts using the platform. Enterprise plans include unlimited seats so your whole credit team — and your committee members and examiners — can access the audit trail without metering.
How does Aloan compare on cost to nCino, Abrigo, or Moody's?
Legacy commercial lending platforms typically run $50K–$300K+ per year with multi-year contracts and per-seat licensing. Aloan is usually comparable to or below those vendors at equivalent scope — without the implementation consulting, Salesforce platform fees, or per-seat metering. We can share a side-by-side cost comparison once we understand your portfolio.
What does implementation include?
We ingest your credit policy and underwriting guidelines, configure custom credit memo templates to match your committee's format, integrate with your loan origination system, and run live training with your team. Most lenders are in production within 2–4 weeks.
What if my deal volume varies month to month?
The monthly minimum gives you a predictable floor for budgeting, and the per-doc overage scales naturally during busy months. We don't penalize light months — your minimum covers expected typical usage, not a forecast you have to hit.
Do you offer ROI guarantees?
We don't promise specific cost-savings numbers — your results depend on your portfolio mix and current analyst capacity. What we will do is run your actual deals through the platform during evaluation so you can measure time-to-credit-memo before you sign.
Want to see Aloan before you talk pricing?
Send us one of your actual deals. We'll run it and show you what comes back — then put together a quote that matches.