Aloan5.0 out of 5 stars |
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Related Products
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Aloan:
About
Aloan automates the commercial loan underwriting workflow for banks, credit unions, and commercial lenders. Lenders upload their credit policy documents and the system automatically configures lending rules, data requirements, and compliance checklists. Borrowers submit loan applications through a branded portal where every deal is verified against the lender's policies before an underwriter reviews it. The system classifies and categorizes borrower documents — tax returns, financial statements, bank statements, rent rolls — and matches them to the correct entity in multi-borrower structures. Financial data is extracted into standardized spreads with every figure traced to the original source. Credit memos generate with borrower overviews, financial analysis, policy compliance results, and recommendations. Connects to existing loan origination systems via REST APIs. Implementation includes policy ingestion, template configuration, and team training.
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Pencl:
About
Pencl is a SaaS platform for real estate developers and investors evaluating land and residential development opportunities. It brings parcel research, zoning and flood data, conceptual lot layouts, project assumptions, and financial projections into a land underwriting workflow. Users can model development costs, revenue, financing, margins, and returns; test scenarios; estimate a maximum land offer; and create investment memos and reports. AI tools answer questions about a deal and help draft memos using project data. Pencl supports greenfield and residential subdivision projects, build-to-rent and build-to-sell housing, with multifamily, mixed-use, and commercial underwriting available on Enterprise. Higher-tier plans add features such as QuickBooks CSV export and underwriting for additional property types. The platform was developed by a real estate professional with more than a decade of experience across multiple states and project types.
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Aloan:
Platforms Supported
Windows
Not Supported
Mac
Not Supported
Linux
Not Supported
Cloud
Supported
On-Premises
Not Supported
iPhone
Not Supported
iPad
Not Supported
Android
Not Supported
Chromebook
Not Supported
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Pencl:
Platforms Supported
Windows
Not Supported
Mac
Not Supported
Linux
Not Supported
Cloud
Supported
On-Premises
Not Supported
iPhone
Not Supported
iPad
Not Supported
Android
Not Supported
Chromebook
Not Supported
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Aloan:
Audience
Community banks, regional banks, credit unions, CUSOs, non-bank lenders, and commercial lending teams
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Pencl:
Audience
Commercial real estate developers, builders, investors, and real estate professionals evaluating development opportunities.
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Aloan:
Support
Phone Support
Supported
24/7 Live Support
Not Supported
Online
Supported
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Pencl:
Support
Phone Support
Not Supported
24/7 Live Support
Not Supported
Online
Supported
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Aloan:
API
Offers API
Supported
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Pencl:
API
Offers API
Not Supported
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Aloan:
Screenshots and Videos |
Pencl:
Screenshots and Videos |
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Aloan:
Pricing
Contact us for pricing
Custom pricing based on institution size and loan volume. Includes implementation, training, and ongoing support.
Free Version
Not Supported
Free Trial
Supported
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Pencl:
Pricing
$79/month
Starter costs $79/month and includes three projects and three AI investment memos per month. Pro costs $199/month, and Enterprise costs $499/month for three seats. A 14-day free trial is available.
Free Version
Not Supported
Free Trial
Supported
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Aloan:
Reviews/
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Pencl:
Reviews/
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Aloan:
Pros & Cons from Real UsersPros
Cons
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Aloan:
Training
Documentation
Supported
Webinars
Not Supported
Live Online
Supported
In Person
Supported
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Pencl:
Training
Documentation
Not Supported
Webinars
Not Supported
Live Online
Not Supported
In Person
Not Supported
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Aloan:
Company InformationAloan
Founded: 2024
United States
aloan.ai
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Pencl:
Company InformationPencl
Founded: 2026
United States
penclit.com
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Aloan:
Alternatives |
Pencl:
Alternatives |
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Aloan:
Categories |
Pencl:
Categories |
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Aloan:
Commercial Loan Features
Asset Management
Supported
Audit Trail
Supported
Complex Debt Structures
Supported
Dashboard
Supported
Document Management
Supported
Exposure Management
Not Supported
Lead Management
Not Supported
Pipeline Management
Not Supported
Risk Management
Supported
Trend Analysis
Supported
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Aloan:
Integrations
CRS Credit API
Supported
Flinks
Supported
Plaid
Supported
Stripe Identity
Supported
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Pencl:
Integrations
CRS Credit API
Not Supported
Flinks
Not Supported
Plaid
Not Supported
Stripe Identity
Not Supported
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Aloan:
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Pencl:
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