Commercial Loan Application Intake Software
The Application That Becomes the Underwriting File
Aloan takes a commercial borrower from first click to underwriting-ready file: a guided application with save-and-resume, KYC through integrated third-party providers, ownership capture down to the percentage, and document storage that carries across renewals. No PDF forms, no re-keying, no guarantor discovered three weeks in.
The application record is the underwriting file. Entities, checks, and documents carry straight into spreading and memo generation.
Document requirements generated from deal type and ownership: business, personal, per-guarantor, and per-owner items.
Identity, bank, and credit verification through Stripe Identity, Plaid, TransUnion, Equifax, and Experian.
The Problem
Intake is where commercial files lose their first week
The typical commercial application is still a downloadable PDF that asks for everything at once. The owner opens it on a phone, sees four pages of fields they cannot answer without the accountant, and closes the tab. The applications that do come back arrive as email attachments, so someone re-keys the data into the spreading tool and someone else re-requests the guarantor return that came in three weeks ago under a different file name.
The abandoned applications never show up in a pipeline report, which is why the problem stays invisible: the bank only sees the deals that survived the form. The deals that survive pay for it in a different way, with the ownership structure reconstructed by hand from tax returns and the third guarantor discovered during memo prep.
Aloan fixes the shape of the problem, not just the speed. The application collects the structure of the deal (the entities, the people, the ownership graph) as data from the first screen, so everything downstream inherits it instead of rebuilding it.
How Application Intake Works
From first click to underwriting-ready, in one record
Borrower applies in guided steps
Business profile, loan request, financial ranges, and the people behind the business, each step asking only what the deal type requires. The application works on any device, and every draft gets a secure resume link by email, with optional password protection for the handoff to an accountant or partner.
Verification runs through integrated providers
Identity checks with document and face matching, bank account linking straight from the institution, and soft-pull credit for applicants and guarantors. Each result lands on the application record with a timestamp and the borrower consent that authorized it.
The file assembles itself
Document requests generate from the deal type and ownership structure, per guarantor and per owner. Uploads are classified by AI and matched to the request they fulfill, bulk folders included, and anything already on file from a prior application fulfills its request without asking the borrower again.
Underwriting starts with a complete record
The application moves from prequalification into underwriting as one file: ownership graph, verification results, bank data, and classified documents together. Spreading and credit memo generation cite the same source files the borrower uploaded.
KYC and Verification
KYC through the providers banks already trust
Aloan does not try to be an identity bureau. Verification runs through integrated third-party providers, and every result attaches to the application record with tracked consent.
Identity verification
Stripe IdentityGovernment ID document checks with face matching. Document type, expiry, and issuing authority recorded on every verification session.
Bank account linking
PlaidAccount ownership, balances, and transaction history pulled directly from the institution instead of borrower-supplied statements.
Personal credit
TransUnion · EquifaxSoft-pull prequalification credit data for applicants and guarantors, with borrower consent captured before the pull.
Business credit
ExperianBusiness credit bureau data tied to the borrowing entity's business identification number.
Identity document values are stored separately from general application data, and bank access tokens are encrypted at rest. The broader posture is covered on the AI security page.
Ownership Capture
The ownership graph, captured at the door
Commercial deals are rarely one borrower and one signature. Aloan records every participant as a structured entity with a role (borrower, guarantor, or collateral holder), an entity type from LLC to trust, and ownership captured as an actual graph: percentages on every ownership edge, with control-only relationships like managers, trustees, and officers recorded separately from equity.
That graph is what makes the rest of the file automatic. When the structure says three guarantors, all three get their document packages on day one instead of surfacing during memo prep. And the entity map the analyst works from downstream is the one the borrower confirmed, not one reverse-engineered from tax returns.
What the ownership graph drives
- Document packages generated for each guarantor
- Requirements for each owner at or above 20 percent
- Beneficial ownership certification where it applies
- The entity map for global cash flow and K-1 tracing
The same structure carries into analysis: multi-entity spreading, K-1 tracing, and global cash flow all consume the ownership graph captured at intake.
Processing and Storage
Storage that outlives the application
Documents persist against the entity, not just the deal. The renewal two years from now starts from what is already on file.
Processing
- AI classification by form type, entity, and tax year
- Automatic matching to open document requests
- Bulk folder upload with confirm-and-assign review
- Request statuses visible to the whole team, pending through accepted
Storage
- Documents persist per entity across credit events
- On-file reuse for renewals and annual reviews
- Encrypted storage with expiring signed access links
- Timestamped, user-attributed history on every accept, reject, and replace
Every channel lands in the same record
Not every deal starts in the web application. Partner submissions, internal entry by a lender, and imports from the existing LOS all land in the same structured record, so the downstream workflow is identical however the deal arrived. That is how Aloan runs alongside the bank's system of record instead of demanding a replacement; the architecture is covered in the LOS integration guide.
Questions & Answers
Commercial loan application intake: frequently asked questions
What does Aloan's commercial loan application intake include?
Aloan's application intake covers the full front door of a commercial deal: a guided borrower application with save-and-resume, identity and credit verification through integrated third-party providers, ownership-structure capture down to percentages and control relationships, and document requests that generate from the deal type and fulfill into encrypted, audited storage. The finished application is the underwriting file, so spreading and credit memo generation start from the record the borrower already built.
Does Aloan support KYC for commercial loan applications?
Yes, through third-party integrations. Identity verification runs government ID document checks with face matching through Stripe Identity. Bank accounts link through Plaid, pulling balances and transactions directly from the institution. Soft-pull prequalification credit data comes from TransUnion and Equifax, and business credit data comes from Experian. Borrower consent is captured and tracked for every pull.
Why do borrowers abandon commercial loan applications?
The usual culprits are structural: everything asked up front, exact figures demanded where a range would do, no way to pause and hand off to an accountant, forms that fight the phone screen, and silence after submission. Aloan's application addresses each one: guided steps that ask only what the deal type requires, financial ranges at the start, save-and-resume by secure link, an application that works on any device, and a borrower portal with visible status after submit.
Can borrowers save an application and finish it later?
Yes. Every in-progress application gets a secure resume link delivered by email, so a borrower can stop mid-application and pick up exactly where they left off. Drafts can also be password protected, which matters for the common case where the owner starts the application and the accountant or a business partner finishes it.
How does Aloan handle guarantors and multi-entity ownership at intake?
The application captures the full ownership structure as a graph, not a flat list. Every participant is recorded with a role (borrower, guarantor, or collateral holder), an entity type, and ownership percentages, including control-only relationships such as managers, trustees, and officers. Document requirements then generate per role: packages for each guarantor, items for each owner at or above 20 percent, and beneficial ownership certification where it applies.
How are application documents processed and stored?
Uploads are classified by AI as they arrive (form type, entity, and year detected from the document itself) and matched to the open request they fulfill. Bulk folder uploads work the same way with a confirm-and-assign review step. Documents persist against the entity rather than the application, so renewals and annual reviews reuse what is already on file. Storage is encrypted, access runs through expiring signed links, and every accept, reject, and replace decision is timestamped and attributed to a user.
Does Aloan's application intake replace our LOS?
No. Aloan runs alongside the existing LOS rather than replacing it. Applications can arrive through the web application, partner submissions, internal entry, or imports from the LOS, and every channel lands in the same structured record. That record then feeds Aloan's spreading, analysis, and credit memo workflows, and the results flow back into the bank's system of record.
How does application intake connect to underwriting?
Directly, because it is the same platform. The application moves from prequalification into underwriting as one record: the ownership graph, verification results, linked bank data, and classified documents travel together. Financial spreading starts from documents whose entity and year were confirmed at intake, and the credit memo cites the same source files the borrower uploaded. Nothing is exported, re-imported, or re-keyed.
Related
Where the application goes next
Checklists generated per deal, real-time classification, and completeness tracking.
Automated tax return and financial statement spreading with cited ratios.
Examiner-ready memos in minutes, every figure cited to its source page.
Multi-entity cash flow with K-1 tracing, built on the ownership graph captured at intake.
How intake, spreading, analysis, and memo generation fit together as one workflow.
How Aloan runs alongside the bank's existing system of record.
See the application your borrowers should be filling out
Walk through the borrower flow, the KYC integrations, and the handoff into spreading and memo generation with a real deal.
No setup fees · Deploy in days · Works with your existing LOS
Last reviewed: July 2, 2026