THE PLATFORM
LenderBox is the intelligence layer for commercial real estate lending. Purpose-built AI engines work together to automate the underwriting workflow from document intake to committee-ready credit memo, compressing what used to take weeks into a single sitting.
[BANKS + PRIVATE CREDIT]
LenderBox extracts and structures data from every document a CRE loan package actually contains: appraisals, rent rolls, T-12 operating statements, personal financial statements and environmental reports. Every extracted value is tied to a page-level citation. The engine handles scanned PDFs, multi-tab spreadsheets, and the hand-annotated rent rolls that still arrive by email.
Document Intelligence Visualization (Pavan)
Policy Intelligence Visualization (Pavan)
[BANKS]
Upload your credit policy manual. LenderBox interprets your guidelines (LTV thresholds, DSCR minimums, concentration limits, property type restrictions) and flags exceptions before they reach committee. Every policy check includes dual citations: one to the data point and one to your policy section. Two analysts can no longer underwrite the same deal type and reach different conclusions.
[BANKS + PRIVATE CREDIT]
Completed deals become a searchable, queryable database that grows more valuable with every loan. Maturity wall tracking, concentration monitoring by asset class and geography, automated covenant breach detection, weighted average LTV and DSCR trends, all on demand rather than assembled manually before a board meeting.
Portfolio Intelligence Dashboard (Pavan)
Market Intelligence Visualization (Pavan)
[PRIVATE CREDIT primary]
Cross-lender anonymized market data: cap rates, rent comps, pricing trends, risk factors. A network-powered data layer that grows more powerful as more lenders join. For private credit teams, this is the competitive edge that justifies the platform on its own, giving pricing context and risk signals no individual firm could generate alone.
[BANKS + PRIVATE CREDIT]
Explainable risk scores across five dimensions: credit, market, property, borrower, and structural. Each score cites the specific data driving it. At the portfolio level, early warning indicators surface deteriorating conditions while there’s time to act. Not a black-box credit score but a structured risk framework your credit officers can defend to committee and to an examiner.
Risk Assessment Visualization (Pavan)
Conversational AI Visualization (Pavan)
[BANKS + PRIVATE CREDIT]
Natural language interface for querying your deals, documents, and portfolio. ‘Show me all multifamily deals over $5M with LTV above 75%.’ ‘What is the weighted average DSCR across our office portfolio?’ Instant, sourced answers drawn from your institution’s own data rather than external datasets. Your historical loan data becomes a strategic asset.
[PRIVATE CREDIT primary]
All engines converge: extract the data, check policies, score risk, layer in market context, and produce a committee-ready credit memo or term sheet in under an hour. For private credit, it’s same-day term sheets. For banks, it’s consistent, examiner-defensible credit memos from every analyst on the team.
Deal Structuring Visualization (Pavan)
Today’s Reality
With LenderBox
Analyst spent Tuesday spreading a rent roll by hand
Structured data extracted in minutes with page-level citations
Two analysts, same deal type, two different answers
Standardized, policy-compliant decisions every time
A decade of deals in filing cabinets
Searchable portfolio intelligence
Exam prep takes weeks
Continuous audit trail, always ready
Term sheet took three days
Credit memos in minutes
Market data in a separate subscription
Market intelligence in every underwrite
Sensitivity analysis in spreadsheets
Stress testing on demand
LenderBox is the analysis layer that works alongside the loan origination system, the CRM and the core you already run: nCino manages the process, LenderBox powers the credit decision inside it. Go live in three to four weeks with your existing policies, templates, and workflows.
See all integrations →SOC 2 Type II attested. Isolated tenant architecture. Zero cross-training. Built to pass your vendor risk assessment.
Read the full security overview →Bring a real deal package, your documents and your data, and we’ll run it live.
What AI tools are used for CRE underwriting?
LenderBox automates CRE underwriting through purpose-built AI engines. The platform extracts and structures data from the documents a CRE loan package actually contains, cites every figure to the page it came from, checks every deal against your lending policies, and generates committee-ready credit memos in under an hour.
How does AI reduce commercial loan processing time?
By automating document extraction, financial spreading, policy checking, risk scoring, and memo assembly. LenderBox compresses 25+ hours to under an hour per deal, with a page-level citation on every extracted figure, eliminating manual data entry and rework.
Is LenderBox compliant with banking regulations?
SOC 2 Type II attested (February 2026). GLBA-informed. Isolated tenant architecture with 256-bit AES encryption. Built to satisfy OCC Third-Party Risk Management guidance and vendor risk assessment requirements.
How accurate is AI-powered CRE document extraction?
Every extracted value carries a page-level citation back to the source page, so any figure can be verified rather than taken on trust. Coverage spans the documents a CRE loan package actually contains: appraisals, rent rolls, T-12 operating statements, borrower financials and environmental reports.
Can LenderBox work with our existing loan origination system?
Yes. LenderBox is the analysis layer that works alongside the loan origination system, the CRM and the core you already run: nCino manages the process, LenderBox powers the credit decision inside it. Go live in three to four weeks.
