Question 1

What underwriting challenges does Aloan solve?

Accepted Answer

Aloan automates the most time-consuming parts of commercial underwriting: document collection and classification, financial spreading with source-document traceability, risk detection, and credit memo generation. Banks running Aloan reduce underwriting timelines from weeks to minutes on most files and reclaim most of the day-and-a-half-per-deal that manual spreading absorbs.

Question 2

How does Aloan automate financial spreading?

Accepted Answer

Aloan extracts financial data from tax returns, bank statements, and financial statements, then spreads the data into standardized formats. Every number is mapped back to the exact source document and page — giving examiners a full audit trail with a single click. Add-back rules are bank-configurable and applied uniformly across every file, so the spread that goes into the credit memo matches credit policy on every deal — not whichever analyst spread it.

Question 3

Can Aloan generate examiner-ready credit memos?

Accepted Answer

Yes. Aloan generates complete credit memos with narrative analysis, financial summaries, risk factors, and mitigants. Every figure in the memo links back to source documents, meeting examiner requirements for traceability and auditability under SR 26-2 and OCC Bulletin 2026-13. The underwriter authors the narrative; Aloan handles the data wiring underneath.

Question 4

What types of lenders benefit from Aloan?

Accepted Answer

Community banks (especially under $10B in assets), regional banks, credit unions, CUSOs, fintech lenders, non-bank lenders, and commercial real estate lenders use Aloan to automate underwriting workflows and close more loans without adding headcount. Aloan is purpose-built for multi-entity commercial files with K-1 tracing requirements where legacy and template-extraction tools break down.

Question 5

Does Aloan replace the bank's LOS?

Accepted Answer

No. Aloan is an add-on purchase that sits in front of the credit workflow and hands its outputs into the LOS the bank already runs (nCino, Abrigo, Baker Hill, Jack Henry, or others). Spreading is analysis; the LOS is workflow. Aloan handles the analysis without forcing a rip-and-replace migration.

Aloan solutions for commercial lenders

Automate the underwriting steps that take the most time

Document Intelligence

AI Financial Spreading

AI Bank Statement Analysis

AI Financial Statement Analysis

Tax Return Analysis

Global Cash Flow Analysis

AI Credit Memo Generation

Covenant Monitoring

Underwriting for the products you actually book

CRE Loan Analysis

SBA Loan Underwriting

C&I Loan Underwriting

Equipment Financing

Medical Practice Lending

Contractor and Construction Lending

C&I Credit Memos

CRE Credit Memos

SBA Credit Memos

How the platform holds up in front of an examiner

Aloan Commercial Loan Underwriting Platform

Commercial Loan Origination Software

Built for the institutions that move commercial lending

See how Aloan transforms your workflow