Resources

Thinking about commercial lending.

MCA UnderwritingJun 30, 20268 min read

MCA Underwriting: How to Read a Bank Statement Before You Fund

Merchant cash advance decisions live and die on the bank statements. Here's what disciplined MCA underwriting reads for — stacked positions, true revenue, and liquidity stress — and how to do it without losing the funding window.

Apr 16, 2026Credit Analysis

DSCR Calculation for CRE Loans: Formula, Examples, and What Lenders Actually Look For

A practical guide to calculating Debt Service Coverage Ratio for commercial real estate loans. Includes formulas, worked examples, common mistakes, and how different lender types interpret DSCR.

Apr 15, 2026Credit Analysis

How to Spread a 1065 Tax Return: A Step-by-Step Guide for Commercial Lenders

Learn how to extract and organize financial data from IRS Form 1065 partnership returns for commercial loan underwriting. Covers every schedule, common pitfalls, and how to automate the process.

Apr 4, 2026Best Practices

How Long Should Financial Spreading Take? Benchmarks for Lending Teams

Most lending teams spend 2–4 hours spreading a single deal. Here's how that breaks down by loan type, what drives the variance, and what high-performing teams look like.

Apr 2, 2026Credit Analysis

Why Your Credit Memos Take Too Long — And How to Fix It

Credit memos shouldn't take 4–6 hours to assemble. Here's where the time goes, why consistency suffers, and what automated memo generation actually looks like.

Mar 29, 2026Industry Trends

The Lender's Guide to Modern Lending Technology in 2026

Most commercial lending teams still run on spreadsheets and email. Here's what's changed, what the modern lending stack looks like, and how to evaluate technology for your institution.

Mar 28, 2026AI in Lending

How AI Financial Spreading Is Transforming Commercial Lending

Manual financial spreading costs lending teams 2–4 hours per deal. Learn how AI-powered spreading automates data extraction, reduces errors, and accelerates credit decisions.

Mar 26, 2026Industry Trends

The True Cost of Manual Financial Spreading: A Breakdown for Lending Teams

Manual financial spreading costs more than you think. Here's the real math — labor, errors, rework, opportunity cost, and what automation actually saves.

Mar 15, 2026Credit Analysis

Credit Memo Automation: What Lending Teams Need to Know

Credit memos are the backbone of loan committee decisions. Discover how AI-assisted memo generation maintains quality while cutting preparation time by 80%.

Mar 1, 2026Document Management

Automated Document Classification for Faster Loan Origination

Borrower packages arrive as messy file dumps. Learn how AI document classification sorts, labels, and routes loan documents to streamline the origination pipeline.

Feb 18, 2026Industry Trends

A Community Bank's Guide to Lending Technology in 2026

Community banks face pressure to modernize lending operations without enterprise-scale budgets. Here's a practical guide to adopting AI lending tools that deliver ROI.

Feb 5, 2026Best Practices

5 Loan Origination Bottlenecks and How to Eliminate Them

Slow loan origination costs deals and frustrates borrowers. Identify the five most common bottlenecks in commercial lending and learn proven strategies to fix them.

Jan 22, 2026SBA Lending

Streamlining SBA Loan Processing with Intelligent Automation

SBA loans carry unique documentation and compliance requirements. Explore how AI automation helps lenders process 7(a) and 504 loans faster without compliance risk.

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