Aloan

Aloan

5.0 out of 5 stars
Aloan Pencl

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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.
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.
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
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
Aloan:

Audience

Community banks, regional banks, credit unions, CUSOs, non-bank lenders, and commercial lending teams
Pencl:

Audience

Commercial real estate developers, builders, investors, and real estate professionals evaluating development opportunities.
Aloan:

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported
Pencl:

Support

Phone Support Not Supported
24/7 Live Support Not Supported
Online Supported
Aloan:

API

Offers API Supported
Pencl:

API

Offers API Not Supported
Aloan:

Screenshots and Videos

Pencl:

Screenshots and Videos

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
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
Aloan:

Reviews/Ratings

Overall 5.0 / 5
ease 5.0 / 5
features 5.0 / 5
design 5.0 / 5
support 5.0 / 5
Pencl:

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software
Aloan:

Pros & Cons from Real Users

Pros

  • Extremely fast policy ingestion and setup. Fast financial spreading, consistent credit memo output, easy onboarding, great support

Cons

  • Still early on some document types, but the team ships updates fast
Aloan:

Training

Documentation Supported
Webinars Not Supported
Live Online Supported
In Person Supported
Pencl:

Training

Documentation Not Supported
Webinars Not Supported
Live Online Not Supported
In Person Not Supported
Aloan:

Company Information

Aloan
Founded: 2024
United States
aloan.ai
Pencl:

Company Information

Pencl
Founded: 2026
United States
penclit.com
Aloan:

Alternatives

Baker Hill UN/FY

Baker Hill UN/FY

Baker Hill
Pencl:

Alternatives

Aloan:
HES LoanBox

HES LoanBox

HES FinTech
5.0 out of 5 stars
Pencl:
Feasly

Feasly

5.0 out of 5 stars
Aloan:
Monsoon CreditTech

Monsoon CreditTech

Monsoon CreditTech Technologies
Pencl:
Aloan:
Pencl:
Aloan:
Pencl:
Feasly

Feasly

Feasly Technologies (DIFC) Ltd
Aloan:

Categories

Commercial Loan Supported
Pencl:

Categories

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
Aloan:

Integrations

CRS Credit API Supported
Flinks Supported
Plaid Supported
Stripe Identity Supported
Pencl:

Integrations

CRS Credit API Not Supported
Flinks Not Supported
Plaid Not Supported
Stripe Identity Not Supported
Aloan:
Claim Aloan and update features and information
Claim Aloan and update features and information
Pencl:
Claim Pencl and update features and information
Claim Pencl and update features and information