Underwrite borrower packages in hours, not weeks.
Drop the file and LendPipe returns a complete financial spread, ready for your analyst to review.
Apex Manufacturing LLC
9 documents · 41 cited
| Line item | FY 2025 |
|---|---|
| Revenue1 | 4,118,240 |
| Cost of goods sold | (2,611,900) |
| Operating expenses | (1,045,100) |
| Operating income2 | 461,240 |
| Owner comp add-back3 | 184,000 |
| Depreciation | 96,410 |
| Adjusted EBITDA | 741,650 |
Most of the week goes to work that isn’t credit.
A package arrives as forty files. Sorting, keying and formatting take the days — the credit judgment takes the hour.
- 01
Documents arrive as a pile
No two packages look alike. Someone sorts, names and chases what's missing.
With LendPipeEvery file is classified on arrival and the missing ones are listed before anyone opens the folder.
- 02
Spreading is retyping
The numbers are already on the page. The work is moving them into the template.
With LendPipeStatements land in your template with each cell pointing at the page and line it was read from.
- 03
Policy comes last
Gates get checked from memory after the spread, so exceptions surface late.
With LendPipeDSCR, LTV and concentration are screened against your written policy the moment the spread exists.
- 04
Memos start blank
Written from scratch, then reformatted for committee.
With LendPipeThe draft opens already in your committee format, footnoted, waiting for the analyst's judgment.
Six steps of underwriting, one continuous file.
Classification, spreading, diligence, screening and memo drafting all read from the same deal file — so nothing is re-keyed twice.
Document classification
Every file in the package is indexed by type, period and entity on arrival — across 50+ categories — so nothing is filed by hand and nothing goes missing.
- 50+ document categories out of the box
- Period and entity auto-detected per file
- Missing documents and duplicates surfaced instantly
Drop borrower documents here
+ 18 more files
The same file, tuned to how your desk lends.
- C&I
- Owner-occupied CRE
- Investor CRE
- Equipment
- SBA 7(a)
- SBA 504
- SBA Express
- Member business loans
- Merchant cash advance
- Private credit
Commercial lending
C&I, CRE and equipment loans — global cash flow across the operating company and its guarantors.
Explore ↗02SBA lending
7(a), 504 and Express — eligibility, forms and the paper trail SBA reviewers expect to see.
Explore ↗03Community banks
Enterprise underwriting depth at community scale — without adding three analysts to carry it.
Explore ↗04Credit unions
Member business lending decisions that keep pace with the member's timeline, not the queue's.
Explore ↗05Merchant cash advance
Stacked positions, true revenue and liquidity stress read off the statements inside the funding window.
Explore ↗06Private credit
Diligence packets and IC memos assembled from the data room, each figure traceable for LPs.
Explore ↗Credit analysts
Review a spread that already exists instead of building one. The keying is gone; the judgment is still yours.
Underwriters & loan officers
Exceptions arrive with mitigants and citations gathered, so the conversation with the borrower starts a day earlier.
Chief credit officers
Every memo in the same format, every figure traceable to its page. Exam prep is reading the file, not rebuilding it.
What does the capacity gap actually cost you?
Plug in your team’s shape. The hiring math updates live on both sides.
Assumes analysts clear roughly three times as many files once spreading, diligence and memo drafting are automated.
Headcount needed to hit the growth target
With LendPipe5 people · −67%Loans / analyst · today
30
Loans / analyst · with LendPipe
90
$1.1M
Hiring cost avoided
10
Hires avoided
600
Extra loans of capacity
Why not a general assistant, a spreadsheet, or another hire?
LendPipe runs on large language models underneath. The product is the underwriting workflow around them, configured to your institution, with the audit trail built in.
| Capability | LendPipe | ChatGPT or Copilot | Spreadsheet & re-keying | Another analyst |
|---|---|---|---|---|
| Reads the whole deal file, not one document at a time | Yes. | No. One upload per question | No. | Yes. |
| Spreads into your institution's template | Yes. | No. | Yes. By hand | Yes. After training |
| Every figure cited to the page and line | Yes. | No. | No. | Partly. If they remember to |
| Screened against your written credit policy | Yes. | No. | Partly. From memory | Partly. From memory |
| Same output on every deal, every time | Yes. | No. Varies by prompt | Partly. | Partly. |
| Memo draft in your committee's format | Yes. | Partly. Generic prose | No. | Yes. |
| Borrower files never train a model | Yes. | Partly. Depends on the plan | Yes. | Yes. |
| Adds capacity without a hiring cycle | Yes. | Partly. | No. | No. Months to hire and train |
The LendPipe column describes the product as it ships today. The other columns describe the tools as credit teams commonly use them; enterprise assistant plans, for example, can be configured not to train on uploads.
Security
Nothing you upload trains a model.
The first question every credit committee asks about an AI vendor is where the borrower's data goes. It stays in your tenant, encrypted, visible only to the people you scope it to.
Read our security practicesNo model training
Borrower files are never used to train or fine-tune a model — ours or a vendor's.
AES-256 & TLS 1.3
Encrypted at rest and in transit, on standard protocols throughout.
Tenant isolation & RBAC
Each institution's data sits in its own tenant, with access scoped by role.
Edits tracked by author and time
The audit trail shows what came from extraction, what an analyst changed, and when.
Analysts make the call
Spreads, screens and memos are drafts for review. Nothing is decided without a person.
Questions credit teams ask first.
Security, accuracy, and what happens on the deals that don’t fit the template.
Talk to our teamYour next deal shouldn't take a week to underwrite.
Bring a real borrower package to the call. We'll spread it live and you can check every figure against the source.