The AI-native platform for
commercial loan origination.
Upload a borrower package. AI classifies documents, spreads financials, screens the deal, and drafts the credit memo — in minutes, not days.
saved per analyst, per week
more deals per analyst
faster time-to-decision
lower cost per loan
The Platform
The full origination workflow, built on AI.
From document intake to credit decision — every step handled by AI.
$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.
Bank Statement Analysis
AI extracts line-level transactions from PDF bank statements. NSF activity, revenue concentration, and cash flow trends — surfaced automatically.
Financial Spreading
Income statements, balance sheets, and cash flows extracted into your institution's format. Every cell traced back to the source page and line.
| 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 |
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
Credit Memos
Executive summary, financial analysis, risk assessment, and recommendation — generated from spread data and risk flags. Analysts review, not write.
Document Classification
AI classifies every document by type, period, and entity — across 70+ categories. Missing and duplicate docs are flagged automatically.
Drop borrower documents here
+ 18 more files
How It Works
From document drop to committee-ready memo
Upload documents
Tax returns, financials, bank statements — classified automatically.
Auto-spread financials
Line items extracted into your templates instantly.
AI screens the deal
Financial health, compliance, and risk — analyzed in parallel.
Memo generated
Committee-ready with source-cited financials and risk commentary.
Workflow Automation
The same origination process, radically faster.
LendPipe replaces days of manual origination work with minutes of AI-driven analysis.
Without LendPipe
Spreadsheets, email chains, and deals that take days to close
Analysts spend 4-8 hours hand-keying financials from documents into spreadsheets
Missing documents discovered mid-review, sending you back to the borrower
Risk flags buried in 200-page packages that nobody reads end to end
Credit memos assembled by copy-pasting between Word, Excel, and email
With LendPipe
Upload to committee-ready in under 10 minutes
Drop an entire borrower package and AI classifies, extracts, and spreads every document
Missing pages and document gaps flagged automatically before review begins
DSCR, leverage ratios, and policy violations surfaced instantly across all periods
Committee-ready credit memo drafted with source-linked financials and risk commentary
Security
Built for regulated lenders
Security isn't an add-on — it's the foundation. LendPipe is designed from the ground up for the compliance requirements of banks and credit unions.
Frequently asked questions
LendPipe achieves over 95% accuracy on standard financial documents including tax returns, audited financials, and bank statements. Every extracted number includes a source citation linking back to the exact page and line item in the original document, so your team can verify any figure instantly.
We support PDF, Excel, CSV, and scanned documents. Our AI handles individual and business tax returns (1040, 1065, 1120, 1120-S), personal financial statements, bank statements, rent rolls, A/R and A/P aging, and interim financials. Documents are automatically classified and mapped to the correct entity upon upload.
LendPipe augments your process, not replaces it. Your analysts still review and approve everything — we eliminate the manual data entry and first-draft work. Custom spreading templates match your institution's format, and role-based access keeps your manager/analyst workflow intact.
We use AES-256 encryption at rest and TLS 1.3 in transit. Our infrastructure is SOC 2 Type II compliant. We never use borrower documents or financial data to train AI models. Your data is isolated per organization and never shared across tenants.
Most teams are processing loans within their first week. Setup involves creating your organization, inviting team members, and configuring your spreading templates. No complex integrations required — we handle document intake, spreading, and memo generation out of the box.
Yes. Create custom spreading templates matching your institution's exact format. Set organization-wide defaults or borrower-specific templates. Credit policy parameters (minimum DSCR, maximum leverage, etc.) are configurable so risk screening matches your actual guidelines.
Your next deal shouldn't take a week to originate.
See how LendPipe gets lending teams from document drop to committee-ready memo in under 10 minutes.
Request a demo