Commercial credit workbench
LendPipe turns PDFs, scans, statements, and policy rules into source-cited spreads, screening notes, and a credit memo your analysts can defend.
Borrower package indexed
Documents classified by type, entity, and period
Financials spread
Figures mapped back to the source page
Credit memo grounded
Narrative tied to ratios, policy, and exceptions
Built for the teams running commercial credit
The work behind every deal
Borrower packages come as PDFs, scans, emails, and screenshots. No two are the same — and someone still has to sort, name, and key everything in.
Tax returns and statements get hand-typed into a template every single deal. The data is already on the page — the work is moving it, not analyzing it.
By the time the memo is written, the financials are stale and the borrower has called twice. The hardest part of every deal is the part nobody wants to do.
What leaves the workbench
Documents sorted by borrower, entity, period, and missing-item status.
Financial statements mapped into your chart of accounts with citations.
Policy thresholds, DSCR, leverage, liquidity, and exceptions reviewed together.
A defensible first draft built from the spread, risk flags, and source documents.
The platform
AI-powered document classification, financial spreading, DSCR and risk screening, and credit memo generation — every step of underwriting handled in one platform.
$667,857
$525,320
+$142,537
New loan payment began in February, leaving only ~$10K to cover operating expenses.
Significant outflows to related entities totaling over $84K in February alone.
Core revenue is highly diversified with ~103 individual fee payments per month.
AI extracts line-level transactions from PDF bank statements. NSF activity, revenue concentration, and cash flow trends — surfaced automatically.
| Category | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|
| ASSETS | |||
| +Current Assets1 | 2,472,320 | 2,087,700 | 1,977,600 |
| +Fixed Assets (Net) | 1,896,000 | 1,848,000 | 1,771,600 |
| +Non-Current Assets | 125,000 | 150,000 | 175,000 |
| LIABILITIES | |||
| +Current Liabilities2 | 1,161,200 | 1,110,800 | 970,400 |
| +Long-Term Liabilities | 1,240,000 | 1,380,000 | 1,520,000 |
| EQUITY | |||
| Retained Earnings | 1,174,785 | 757,450 | 553,834 |
| Net Income3 | 417,335 | 203,616 | 162,466 |
Income statements, balance sheets, and cash flows extracted into your institution's format. Every cell traced back to the source page and line.
Apex Manufacturing LLC
$2,500,000 Equipment
60 months, fixed
1. Executive Summary
Apex Manufacturing has demonstrated consistent revenue growth of 18.4% YoY1 with a strengthening margin profile. The debt service coverage ratio of 1.42x2 provides adequate cushion for the requested facility. Primary risk factors include single-customer revenue concentration at 42%.3
2. Financial Analysis
1.42x
72%
0.63x
42%
Annual revenue reached $4.1M in FY2024, up from $3.5M.1 Operating margins expanded to 11.2% from 7.4%,4 driven by improved procurement terms and production efficiency gains.
3. Risk Assessment
The primary credit risk is customer concentration, with 42% of revenue from a single account.3 Mitigants include a 10-year relationship, diversified product mix across 6 SKU lines, and contractual minimums through 2026.
Collateral coverage is adequate at 138% of the requested facility, consisting of|
4. Collateral Analysis
5. Conditions & Covenants
6. Recommendation
Executive summary, financial analysis, risk assessment, and recommendation — generated from spread data and risk flags. Analysts review, not write.
Drop borrower documents here
+ 18 more files
AI classifies every document by type, period, and entity — across 70+ categories. Missing and duplicate docs are flagged automatically.
How it works
Four steps. One continuous flow. No manual keying.
Tax returns, financials, bank statements — classified automatically.
Line items extracted into your templates instantly.
Financial health, compliance, and risk — analyzed in parallel.
Committee-ready with source-cited financials and risk commentary.
ROI Calculator
Plug in your team's shape. We'll show the capacity and hiring gap on both sides.
Loans / year
300
Credit team
10 people
Growth target
+50%
Without LendPipe
Headcount needed at target
15
peopleLoans per analyst / year
30
With LendPipe
Headcount needed at target
−67%5
peopleLoans per analyst / year
90
Security
Enterprise-grade controls that meet the security and compliance standards of banks and credit unions.
No model training
Your data is never used to train or fine-tune AI models
AES-256 & TLS 1.3
Encrypted at rest and in transit with industry-standard protocols
Tenant isolation & RBAC
Per-organization data isolation with role-based access control
Resources
See how LendPipe gets lending teams from document drop to committee-ready memo in under 10 minutes.
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