Audience
Community banks, regional banks, credit unions, CUSOs, non-bank lenders, and commercial lending teams
About Aloan
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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Aloan Product Features
Commercial Loan
Aloan Verified User Reviews
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"We 10x'd our underwriting output" Posted 2026-03-30
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
Overall: We were drowning in manual spreading and inconsistent credit memos across our lending team. Aloan's AI handles the heavy lifting on financial analysis - pulls data from tax returns and financials, builds the spreads, and generates credit memos that actually look like our format. What used to take our analysts hours now takes minutes. The platform is intuitive, the team is responsive, and it integrates with our existing workflow without a massive IT project. If you're a commercial lender still doing this manually, you're leaving deals on the table.
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