Aloan

Commercial Underwriting

Underwrite commercial loans in under 30 minutes.

Aloan automates document collection, financial spreading, risk detection, and credit memo generation — so your underwriters focus on decisions, not data entry.

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Reduce manual data entry
Close loans faster
Improve underwriting decisions

The problem with commercial underwriting today

Weeks chasing documents.

Days spreading financials.

Red flags still missed.

Your underwriters are valuable. Stop wasting their time on data entry and document management. Let Aloan do the heavy lifting.

End-to-end commercial underwriting — automated.

BORROWER ONBOARDING

Prequalify commercial borrowers against your credit policy in seconds.

Borrowers submit financial information and upload documents through a branded intake portal. Deal size, industry, geography, and credit parameters are screened automatically — only deals that match your lending criteria reach your team.

1
Submitted
2
Screened
3
Qualified
CompanyGreenfield Manufacturing
Revenue$4.2M
Request$750K Term Loan
IndustryManufacturing
Policy Screening Complete
4 of 4 criteria passed
Pre-Qualified

DOCUMENT INTELLIGENCE

Tax returns, financials, and bank statements — processed and matched automatically.

Uploaded documents are identified, categorized, and validated for completeness. Each document is matched to the correct borrower, guarantor, or related entity — even across complex multi-entity commercial structures.

Document Processing3 of 4 matched
PDF
2024-tax-return.pdf
Tax Return → ABC Corp
✓
PDF
bank-stmt-q4.pdf
Bank Statement → ABC Corp
✓
XLS
financials-2024.xlsx
Financial Statement → ABC Corp
✓
?
Personal Financial Statement
Awaiting upload from borrower
Missing

AUTOMATED SPREADING

Financial spreads with full audit trails generated in minutes.

Financial data is extracted and spread into your standardized format with every number mapped back to the exact source page and line item. DSCR, leverage, liquidity, and custom ratios are calculated directly from spread data.

Financial SpreadGreenfield Manufacturing
FY 2022FY 2023FY 2024
Revenue$3.1M p.3$3.6M p.3$4.2M p.2
COGS$2.2M$2.4M$2.7M
Net Income$310K p.5$402K p.5$478K p.4
Computed Ratios
DSCR
1.58x
Leverage
2.4x
Current Ratio
1.82x

RISK DETECTION

Policy exceptions and risk flags surfaced before they reach committee.

Revenue declines, high NSF activity, UCC liens, covenant breaches, and concentration risks are flagged automatically. Deals that fall outside credit policy parameters are identified with specific exceptions and supporting evidence.

Risk Flags4 items flagged
1
High
2
Medium
1
Low
DSCR below policy minimum
1.12x actual vs 1.25x required
Revenue declined 18% YoY
Q4 2024 vs Q4 2023
3 active UCC filings
Filed 2022–2024, secured assets
Customer concentration at 32%
Top customer share of revenue

CREDIT MEMO GENERATION

Complete credit memos assembled from your deal data.

A full credit memo with borrower overview, financial analysis, risk factors, and recommendation — generated from the documents and data already in the system. Every figure links back to the source document for full traceability.

Credit Memo
Greenfield Manufacturing — $750K Term Loan
1. Executive Summary
2. Financial Analysis
3. Risk Assessment
4. Recommendation
12 citations · 4 flags addressed · 3 exhibitsGenerated

ONGOING MONITORING

Covenant testing and compliance tracking on autopilot.

Scheduled document collection, automated covenant testing, and early warning alerts keep your portfolio in check. DSCR, leverage, working capital, and custom covenants are tested each reporting period with results delivered to your team.

Covenant MonitorAll Clear
DSCR Covenant
Min 1.25x required
1.58x
Pass
Leverage Ratio
Max 3.5x allowed
2.4x
Pass
Working Capital
Min $200K required
$218K
Watch
Next collection: Q2 2025 financials · Due Jun 30

Data Fabric

Trace every number back to its source document.

See how rent rolls, operating statements, and tax returns connect to DSCR, LTV, and debt yield — with an interactive visualization of the full data flow.

Explore the data fabric

Built for

One platform, every lender type.

Community Banks

Compete on speed without adding headcount. AI underwriting lets your team handle more commercial deals with the same resources — prequalification, spreading, and credit memos all automated.

Regional Banks

Standardize underwriting across branches and teams. Every deal gets the same rigorous analysis regardless of who touches it, with full audit trails for examiner review.

Credit Unions

Expand into commercial lending with confidence. Automated spreading and risk flagging give your team the tools to underwrite complex deals without hiring specialized staff.

CUSOs

Offer commercial underwriting as a shared service for your member credit unions. Centralize document processing, financial analysis, and compliance tracking in one platform.

Fintech Lenders

Move faster on commercial originations. Plug AI underwriting into your existing stack via REST APIs and webhooks — scale volume without manual bottlenecks.

Non-Bank Lenders

Scale your commercial portfolio without scaling your back office. From SBA 7(a) to conventional CRE, automate the document-heavy work across every loan type.

Real Estate Lenders

Underwrite CRE deals with automated rent roll analysis, operating statement spreading, and instant NOI, DSCR, LTV, and debt yield calculations.

Private Equity

Evaluate portfolio company financials faster. Automated spreading and cross-document validation across complex multi-entity structures with full traceability.

M&A Lenders

Accelerate acquisition financing with automated financial analysis, quality-of-earnings support, and complete audit trail documentation for every deal.

Community Banks

Compete on speed without adding headcount. AI underwriting lets your team handle more commercial deals with the same resources — prequalification, spreading, and credit memos all automated.

Regional Banks

Standardize underwriting across branches and teams. Every deal gets the same rigorous analysis regardless of who touches it, with full audit trails for examiner review.

Credit Unions

Expand into commercial lending with confidence. Automated spreading and risk flagging give your team the tools to underwrite complex deals without hiring specialized staff.

CUSOs

Offer commercial underwriting as a shared service for your member credit unions. Centralize document processing, financial analysis, and compliance tracking in one platform.

Fintech Lenders

Move faster on commercial originations. Plug AI underwriting into your existing stack via REST APIs and webhooks — scale volume without manual bottlenecks.

Non-Bank Lenders

Scale your commercial portfolio without scaling your back office. From SBA 7(a) to conventional CRE, automate the document-heavy work across every loan type.

Real Estate Lenders

Underwrite CRE deals with automated rent roll analysis, operating statement spreading, and instant NOI, DSCR, LTV, and debt yield calculations.

Private Equity

Evaluate portfolio company financials faster. Automated spreading and cross-document validation across complex multi-entity structures with full traceability.

M&A Lenders

Accelerate acquisition financing with automated financial analysis, quality-of-earnings support, and complete audit trail documentation for every deal.

Implementation

White-glove setup — zero technical burden.

We handle platform setup, policy configuration, and integrations. Your team focuses on lending.

Platform Setup
  • White-label branding
  • Custom workflows
  • Policy configuration
Integrations
  • LOS connection
  • REST API & webhooks
  • Custom reporting

Security

Enterprise-grade security & compliance.

Certified Secure
Bank-Level Encryption
Regulatory Compliant
Cyber Liability Coverage

Questions from lending partners

Can we use our own underwriting models?

Yes. Aloan provides decision-support data that integrates via API into your existing models. You can use our analysis to pre-screen deals, then apply your own criteria for final decisions.

What's the typical borrower profile?

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.

How long does implementation take?

Most lenders are live within 2–4 weeks. We handle all technical setup, policy configuration, and integrations — your team doesn't need to write a single line of code.

How do you handle fraud detection?

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.

What integrations are supported?

REST APIs, webhooks for real-time updates, and direct LOS connections. We integrate with major loan origination systems and can build custom connectors for your existing workflows.

Aloan

Ready to see this on one of your actual deals?

We will walk through document extraction, policy checks, and credit memo generation with your real commercial workflow.

Request demo