Aloan solutions for commercial lenders

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.

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.

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.

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.

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.