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Our Commercial Lending solution is designed to provide a single platform to manage the complexities of commercial lending. Our platform is designed to allow all the stakeholders in a commercial loan from loan officer to senior lender, credit analyst and loan administrator to the relationship manager and credit administrator to work seamlessly with the borrower through the application phase underwriting, pre-approval, approval, and closing.With our process acceleration workflows, we help manage all of the stages and tasks of the loan lifecycle, helping you to expedite and enforce credit underwriting and credit policies, centrally enforce document compliance and manage files in the cloud which allows you to automate decision-making or accelerate manual approval processes.

Expanding Your Capabilities

Because C&I Loans do not come in an easy to manage one-size fits all package, loans vary by pricing, deal structure, and oversight. That is why it is important to have a lending platform that is highly configurable and provides transparency and workflows so all parties can feel confident in providing an approval.

THE ULTIMATE CLOUD-BASED

Commercial Loan Origination Platform

Manage the entire loan lifecycle, accelerate credit underwriting, enforce credit policies centrally, and document compliance with this comprehensive commercial lending platform.

Manage complex commercial relationships and portfolios using our relationship manager.

Increase speed and accuracy throughout the origination process by accelerating workflow and approvals.

Expedite and centrally enforce credit analysis and credit underwriting policies.

Capture and manage loan and relationship documents and enforce loan document checklists.

INDUSTRY SOLUTIONS /

COMMERCIAL LENDING

THE ULTIMATE CLOUD-BASED

Commercial Loan Origination Platform

Manage the entire loan lifecycle, accelerate credit underwriting, enforce credit policies centrally, and document compliance with this comprehensive commercial lending platform.

RELATIONSHIP MANAGEMENT

Manage complex commercial relationships and portfolios using our relationship manager.

PROCESS EFFICIENCY

Increase speed and accuracy throughout the origination process by accelerating workflow and approvals.

CREDIT UNDERWRITING

Expedite and centrally enforce credit analysis and credit underwriting policies.

DOCUMENT MANAGEMENT

Capture and manage loan and relationship documents and enforce loan document checklists.

Solution Components

Loan Lifecycle

Manages all of the stages and tasks of the loan origination process for each product

Process Acceleration

Enables FIs to accelerate loan workflows while increasing speed and accuracy

Credit Underwritting

Enables FIs to expedite and enforce credit underwritting and credit policies

Documents

Ebales FIs to centrally enforce document compliance and manage files in the cloud

Faster Approval

Enables FIs to automate decision-making and expedite manual approval processes

Digitize risk management processes and accelerate credit underwriting with out-of-the-box credit analysis, financial spreading, and risk analysis.

Configure document requirements based on loan product or purpose, relationships, and collateral. Enable lenders and borrowers to collaborate on documents in real time.

Define and enforce policy condition, stipulations, and mandatory tasks and requirements. Manage policy and task exceptions to ensure adherence to credit and organizational compliance policies—all without sacrificing speed or efficiency.

Accelerate Credit Underwriting and Analysis

Decision workflows are designed to remove manual processing and increase speed and accuracy. Full financial analysis of balance sheet, income statement, cash flow, and financial ratio ensures faster approval.

Automate Document Compliance

Configure what documents are required by each party. Upload, track, and audit all required documents and ensure the borrower and lender are updated on the status of each.

Enforce Credit Policies and Expedite Workflows

A loan approval summary provides an overview of each stage—documents provided, policy exceptions triggered, and tasks completed or incomplete. Checklists are provided to help eliminate errors.

Accelerate the Loan Origination Process

Lenders use the loan process builder to assign automated workflows for the credit approval process. An action flow ensures each step in the approval process has been completed.

Faster Loan Decision-Making

Risk analysis overview and dashboard gives lenders a view of the business exposure analysis and business financial statement analysis

Clearer, More Effective Communication

Eliminate physical restrictions and work anywhere, anytime. Real-time collaboration capabilities provide team members with clarity into what is needed, decisions made, and an audit trail for compliance.

Core benefit

Get a real-time operational view of your business.Quickly respond to change. Add, update, and customize lease products on the fly with custom terms and flexible ways to manage assets.Improve margins by lowering technical, operating, and servicing costs.Grow top-line revenue by getting to market fast with new leasing products and funding approaches.Mitigate operational and regulatory risks with a single system of record.

Approach

Configurable dashboards and reports streamline tracking of collection agents and dealers.Configurable approach enables you to create new products, update underwriting rules, respond to regulations, and manage document requirements and credit rules by product or funder.Generate proposals and lease documents; track signatures with automated workflow tools; reduce underwriting times and lower costs.With real-time data at your fingertips, you have the power to make changes; downstream operations are updated automatically.Cloud-based approach reduces costs and increases agility.Gain visibility and flexibility with a single system of record; add reporting fields as required.

Originators

Allows lessors to cost effectively manage credit underwriting rules by funder or channel. Ideal for originators who want to expand into new financing models or leasing products.A complete solution for lease originators who need to manage different credit underwriting rules by funder or channel. It is a cloud-based, end-to-end lease origination platform delivering speed, flexibility, and cost savings. It is ideal for originators who want to expand into new financing models or leasing products. Cloud Lending’ leasing for originators is completely configurable, allowing for multiple credit underwriting processes managed by channel, funder and leasing product. An extremely flexible approach allows for the configuration of specific funder or product underwriting rules, document requirements, terms and credit profiles. A highly configurable approach results in operational efficiently, improved credit risk management and quicker time to market.

  • Faster Loan Decision-Making
  • Improved Customer Visibility
  • Relationship Risk Management Oversight
  • Real-Time Collaboration between Lender & Borrower
  • Real-Time Document Collaboration and Review
  • Eliminates re-keying of information during origination
  • Visibility into the loan origination pipeline process for all levels of the organization

Pain Point

Each funder follows a different underwriting process, requiring specific information to be collected and documents generated

Benefit

Quickly add new funding partners
Streamline origination timelines and cost
Outstanding customer experience and service
Realtime operational view of your business

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