For Credit Unions
It Does Not Underwrite the Property.
Member business lending grew out of C&I lending, and so did the software. Your origination system structures the deal, tracks exceptions and gets it booked. It treats the property as a collateral record rather than as the thing that repays the loan. LenderBox is the commercial real estate analysis layer that fills that gap: it reads the rent roll, the T-12 and the appraisal, applies your own written lending policy, and drafts the credit memo your committee is expecting.
Checked against your lending policy · 1 exception flagged for committee · every figure cited to its source page
Sits beside your LOS
Your policy, read as written
No core integration
Live in days, not quarters
Examiner-ready documentation
Where the week goes
The rent roll arrives as a PDF one quarter and a spreadsheet the next, and someone retypes it into your template
The spread gets built once by the analyst, then rebuilt by the credit officer forming an opinion
A decade of closed commercial files sits in folders nobody has opened since funding
Annual reviews repeat underwriting work by hand against newer statements
Exam prep is assembled after the fact, from memory and email threads
Any rent roll format read line by line and reconciled against the operating statement
One spread, cited to source pages, that the credit officer can check instead of rebuild
The back book becomes searchable, by property type, geography and lease expiration
Annual reviews produced from the prior file plus current financials, with the movement called out
The documentation trail is built while the work happens, not reconstructed later
Where it starts
LenderBox reads those documents the way a credit analyst reads them rather than the way a parser reads them. It knows a rent roll carries tenants, square footage, lease commencement and expiration, base rent, escalations and recovery structure, and it knows those columns are labeled differently in every export.
It reconciles the rent roll against the operating statement, flags what disagrees, and shows you the page each number came from. That citation trail is what makes the file defensible when somebody outside the credit union reads it.
Illustrative output. Every line links back to the page of the document it came from.
Rent roll, T-12, appraisal, environmental, entity financials, leases. Any format, in the order they actually arrive.
Line-level extraction, then a cross-check between what the rent roll says and what the operating statement says.
Your coverage and loan-to-value thresholds by property type, your concentration limits, your exception language.
A drafted credit memo with a cited spread underneath it, ready for the analyst to edit rather than assemble.
No migration
Credit unions that have recently put in a new loan origination system, or are still recovering from putting one in, are the last people who want to hear about another platform migration. LenderBox is not one. It does not hold your loan records, it does not touch the core, and it does not ask your members to do anything differently.
The analysis happens in LenderBox and the output lands where your file already lives: a memo, a spread, an exported package. If the origination system is your system of record, treat this as the system of analysis that feeds it.
The back book
Origination is the visible half of the problem. The other half is the portfolio you already hold, where every loan carries a review requirement and the documents that support it sit in folders nobody has opened since closing. A credit union with a decade of commercial files has a decade of structured data inside them. It has simply never been readable.
The prior file and the current statements, compared, with changes in coverage, occupancy and tenancy surfaced rather than buried.
Ask a question across the book, by property type, by geography, by lease expiration, and get an answer that cites the files it came from.
The documentation trail is built while the work happens, so the file that goes to an examiner is the file the analyst actually worked from.
Policy Intelligence
Generic underwriting rules are the reason most lending software gets configured once and then argued with forever. LenderBox reads your written lending policy and applies it as written: coverage and loan-to-value floors by property type, concentration limits, guarantor requirements, and the conditions under which an exception is permitted and who has to approve it.
When a deal trips a limit, the memo says so plainly, names the provision it tripped and quantifies the gap.
The memo names the provision and quantifies the gap. Your committee decides.
Security and diligence
Member data and borrower financials stay inside the environment they are processed in, and they are never used to train models. LenderBox holds a SOC 2 Type II attestation from an independent auditor.
Your vendor management team will ask for these long before your lenders ever see a screen. They are ready now. Read the security overview →
How we start
Lending technology is usually sold the other way around. You sign, you pay, you spend two quarters implementing, and only then do you learn whether your analysts will use it. We would rather carry that risk ourselves.
We stand the platform up for your team, load your written lending policy and your memo format, and get your own files into it. None of that is billed. You start paying when your people are using it on live work.
If what we build does not do what we said it would, you get your money back. That commitment is written into the agreement rather than offered as a handshake.
Questions we get
Does this replace our loan origination system?
No. LenderBox does the commercial real estate analysis that sits in front of the loan file: reading the documents, building the spread, checking policy and drafting the memo. Your loan origination system keeps structuring, tracking and booking the loan. Credit unions that just finished a system implementation are the ones this fits best, because it adds the missing analysis layer without reopening the project.
We are a credit union, not a bank. Does that change how it works?
The underwriting mechanics of a commercial property are the same everywhere. What differs is your policy, your member relationships and what your examiners want to see, and all three are things LenderBox takes from you rather than assumes. Your lending policy is read as written, your concentration and participation limits are your own, and the documentation is built to be read by someone outside the institution.
How long before our analysts are actually using it?
Days, not quarters. There is no core integration to schedule and no data migration to plan. The setup work is loading your lending policy and your memo format so the output comes back looking like yours, and most of that happens in the first working session.
What happens to the commercial files we already have?
They become usable. The same engine that underwrites a new deal will read a closed file and produce the annual review against updated financials. For most credit unions the back book is where the first month of value shows up, because the review calendar does not wait for a new origination.
Do our analysts still make the credit decision?
Yes, and the file is built so they can defend it. Every number carries a citation back to the page it came from, so a reviewer can check the work rather than take it on faith. LenderBox removes the assembly, not the judgment.
What does it cost to find out?
Nothing up front. Setup is not billed, and you begin paying when your team is using the platform on live work. If what we build does not do what we said it would, you get your money back. Bring whatever tells you the most, which is often a deal you underwrote last quarter where you already know the answer and can check ours against it.
The fastest way to judge this is to watch it work on something familiar. Bring a deal you underwrote last quarter, a review that is coming due, or a workflow your team keeps doing by hand, and we will scope it against what you already know.
Set up at no cost. Money-back guarantee. SOC 2 Type II, full report under NDA.
AI-powered commercial real estate lending intelligence. From document intake to committee-ready credit memo in under an hour, end to end.
sales@lenderbox.ai (469) 340-2697
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