commercial lending

Your borrowers are closing deals. Don't make them chase their loan status.

AI agents and multilingual specialists that handle application tracking, document collection, and covenant monitoring inquiries in 65+ languages — keeping commercial deals on schedule.

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how it plays out

Real contacts, minute by minute.

Phone English

"I submitted my application last week — what's the status?"

Status inquiries account for the majority of inbound calls

Borrower calls asking for a loan application update
AI retrieves application from LOS and identifies current underwriting stage
Explains outstanding conditions and next steps in clear terms
Sends email summary with document checklist and timeline

Handled without escalation borrower updated

Email Spanish

"We need to draw on our line of credit"

Draw request — time-sensitive cash flow need

Borrower emails in Spanish requesting a draw on revolving facility
AI verifies available balance and checks compliance with draw conditions
Prepares draw request form with pre-populated borrower details
Routes to relationship manager for approval with all docs attached

Request prepared and routed draw request submitted

Web Chat Mandarin

"What documents do you need for our annual review?"

Covenant compliance — annual documentation cycle

Borrower opens chat in Mandarin about upcoming annual review
AI pulls covenant requirements from loan agreement summary
Sends customized document checklist based on their specific covenants
Provides secure upload portal link and submission deadline

Resolved automatically checklist delivered

WhatsApp Portuguese

"Can we extend the maturity date on our term loan?"

Modification request — complex but common

Borrower messages in Portuguese asking about maturity extension options
AI outlines general extension process and required documentation
Collects preliminary financial details for modification analysis
Schedules call with loan officer to discuss terms and pricing

Consultation scheduled modification initiated

the team behind it

Faces, not a queue.

real members of the global team

Commercial Lending Specialists

Knowledgeable in commercial loan structures, covenant monitoring, and draw procedures
Experienced with platforms: nCino, Abrigo, Finastra, Baker Hill
Trained to communicate complex lending terms clearly to business owners and CFOs

65+ Languages

Native-speaking agents in English, Spanish, Mandarin, and 60+ more
Real-time AI translation for rare language pairs
Cultural context training for every market we serve

Follow-the-Sun Coverage

Operations in Philippines, Colombia, Pakistan, and 6 more countries
Smooth handoff between time zones with shared context
Holiday and weekend coverage without overtime costs

compliance

Regulatory Compliance Built In

CRA documentation and fair lending compliance in borrower communications
OCC and FDIC commercial lending guidance adherence
BSA/AML enhanced due diligence for commercial relationships
Flood insurance determination and monitoring for secured facilities

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See how AI keeps your commercial pipeline moving without dropping the ball

We'll demonstrate application tracking, document collection, and covenant monitoring with your LOS.

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