Validate. Size. Judge.
Offer. Fund.
Every step a private lending shop runs between “new deal” and “funded position” — in one workbench, on primary-source data.
Five-pillar borrower validation, run in parallel
One run covers the whole sponsor: Secretary of State entity lookup across all 50 states, a deed-verified track record that matches the borrower’s claimed projects against real property records, GC license checks for construction deals, federal litigation screening (bankruptcy + civil), and sanctions/PEP screening with direct OFAC fallback.
- Entity status, officers, and registered agent — 50 states
- Trust-but-verify deed-chain matching on claimed projects
- GC license status, classification, discipline, workers’ comp
- Federal bankruptcy + civil cases as structured, drillable cards
- Sanctions/PEP with name-only matches capped at “possible — review”
LTARV, DSCR, DY)
Deterministic loan sizing to the penny
Max loan is the minimum across LTV, LTC, LTARV, DSCR, and debt-yield constraints — and the workbench tells you which one binds. Same inputs, same answer, every time. Sizers cover bridge, fix-and-flip/RTL, ground-up construction, and DSCR deals, with your shop’s assumptions and buy-box grid as per-org configuration.
- Bridge, fix-and-flip/RTL, ground-up, and DSCR sizers
- Named binding constraint on every sized loan
- Value-add returns sketch alongside the sizing
- Your buy-box and assumptions as configuration, not custom code
AI deal judgment that narrates — and never sets the number
The AI copilot reads the engine’s numbers through a five-dimension credit framework — sponsor, economics, market, structure, exit — surfaces deal-killers, and lands on pursue, pursue-with-conditions, or pass. The deterministic engine sets the loan amount and the risk tier; the AI explains. That split keeps every output auditable.
- Deal-killers surfaced explicitly, with the evidence behind them
- AI risk memo that narrates the validated record
- Per-org AI toggle with PII scrubbing on every AI call
- Every factor and badge drills to its source record
Market · Structure · Exit
Best execution, then the offer letter
Overlay the sized deal on your investor grid: who buys it, at each investor’s caps and priced rate. Then generate the Quick Quote — a branded rate-offer letter on your letterhead with your fees, as PDF + Excel, always labeled DRAFT for your review before it goes out. When your capital partner wants the file, the investor handoff exports a structured package they can underwrite from.
- Per-investor eligibility + priced rate stack
- Branded rate-offer letter with your letterhead and fee schedule
- Capital-provider-ready handoff (Excel + PDF)
Can this loan be funded this month?
Track your warehouse facility’s borrowing-base position, run a funding pre-flight under every sized loan, export a draft borrowing-base certificate, and get alerts when a position drifts toward a breach. The question every shop asks at month-end, answered continuously.
- Borrowing-base position on your portfolio
- Funding pre-flight under every sized loan
- Draft BBC export + breach-transition alerts
And the work between the steps
Third-party report tracker
A deterministic needed-list of reports per deal. Forward a diligence email and the tracker classifies it, matches it to the deal, and advances the report.
Continuous monitoring
Re-run validations on a schedule and see what changed — an entity that lapses or a new case that gets filed doesn’t wait for your next touch.
Override and re-run
Disagree with a factor? Override it with a documented reason and the tier and memo recompute atomically. Your judgment, on the record.
See it on sample data first
Sign up and a guided walkthrough runs automatically on sample data — no setup required.