AI commercial loan underwriting automation in under 30 minutes.

A commercial loan underwriting automation platform uses AI to handle the manual, repetitive steps of commercial lending — document collection, AI financial spreading, data extraction, risk flagging, and AI credit memo generation. Instead of weeks of manual work, underwriters get structured deal packages with full audit trails in minutes, with every number cited back to the source document.

An AI-powered commercial lending platform integrates into the existing workflow. Borrowers upload documents through a branded portal, and the AI extracts financial data, spreads it into the institution's standardized format, flags policy exceptions, and generates credit memos. Underwriters review and make the final decision — the AI handles the data entry and analysis.

Yes. Aloan is a decision-support commercial underwriting automation platform, not a replacement for the credit team. The institution configures its own credit policies, risk parameters, and approval criteria. The AI screens deals against those policies and surfaces exceptions — underwriters make all final decisions.

Aloan is built for the documents commercial lenders actually receive, not pristine PDFs. It handles low-quality inputs across many formats: native and scanned PDFs, phone photos, faxes, and images, spanning the full range of tax-return, financial-statement, bank-statement, and rent-roll layouts. That includes skewed or low-resolution scans, handwritten amendments, and non-standard templates. It reads every line of every document rather than skimming cover pages, and accuracy stays verifiable: every figure in a spread or credit memo is cited to its exact source page, so an underwriter confirms a number in one click instead of trusting a black box. On a document it genuinely cannot read, Aloan asks for a human check rather than guessing.

No. Aloan is a decision-support platform; it never approves or declines a loan. It automates the manual work of commercial underwriting (document collection, financial spreading, risk flagging, and credit memo drafting) and hands underwriters a cited, structured deal package. Your team and credit committee make every final credit decision and own every exception, and because each figure traces back to its source document, the work stays auditable for examiner review.

Aloan supports CRE loans, C&I lending, SBA 7(a) and 504, lines of credit, equipment financing, and term loans. The platform processes tax returns, audited financials, rent rolls, operating statements, bank statements, and 14+ other document types commonly used in commercial underwriting.

Established SMBs with $500K–$10M in annual revenue seeking $50K–$2M in financing. Common industries include manufacturing, professional services, healthcare, e-commerce, and B2B services.

Most lenders are live within 2-4 weeks. Aloan handles platform setup, credit policy configuration, and LOS integration. The bank's team does not need to write any code. White-glove onboarding with dedicated support is included throughout.

Yes. Aloan is SOC 2 Type II certified and built for regulatory scrutiny — bank-level encryption, full audit trails, and cyber liability coverage. AI processing runs through SOC 2 Type II certified providers (Gemini Enterprise, AWS Bedrock). Every extracted number maps back to the exact source page for examiner review. The SOC 2 Type II report is available under NDA through trust.aloan.ai.

Multi-layer fraud detection covers document authenticity, bank statement analysis for synthetic patterns, business verification against public records, and behavioral analysis. Suspicious applications are flagged before they reach your team.

Lenders using a commercial underwriting automation platform like Aloan typically reduce manual data entry by 70% or more, cut underwriting turnaround from weeks to days, and free underwriters to focus on credit decisions instead of document management. The result is more loans closed with the same team size.

REST APIs, webhooks for real-time updates, and direct LOS connections. Aloan integrates with major loan origination systems (nCino, Abrigo, Baker Hill, LaserPro) and can build custom connectors for existing workflows — no LOS migration required.