A loan file agent, built from your credit workflow.
One Klarefi agent, configured to your credit SOP. It reads the loan files, financial statements, and onboarding documents, cites every value to its source page, and chases what is missing. Your team opens a complete credit file instead of a 200-page stack.
A credit decision is only as defensible as the page it cites.
Every number ties back to the statement, schedule, or appraisal that supports it. Missing schedules are flagged, not guessed.
Borrower submits
- Loan application, tax returns, financial statements, bank statements
- Collateral appraisals, ownership documents, corporate filings
- KYC documents, guarantor information, prior credit memos
- The schedule they forgot, usually the one that matters
Underwriter opens
- Revenue, EBITDA, debt service, and liquidity, each cited to a statement page
- Collateral values, appraisal dates, ownership interests, recorded liens
- Borrower and guarantor identity reconciled against KYC documents
- Missing schedules and stale statements held apart from accepted facts
Why the credit packet gets rebuilt in a spreadsheet every time.
- ✕Statements arrive without the schedules that explain them.
- ✕Numbers land in a credit memo with no page reference.
- ✕Collateral documents are present but expired, unsigned, or unrecorded.
- ✕Underwriters retype the packet before the analysis starts.
Your underwriters review 200+ documents per loan. 11.5% of that data is wrong or missing.
A commercial loan file arrives as a stack of PDFs. Your team opens each one, finds the key numbers, and retypes them into the origination system. Every manual transfer adds errors. Every error delays the close.
The fix is supposed to be a bigger team or a multi-year core replacement. But personnel already drives 67% of origination cost, and the average retail lender loses $600 a loan. More people makes the math worse.
29% of wealth managers take 3 months or more to onboard one high-net-worth client. Half of applicants abandon digital onboarding after 3 minutes. Every week of delay is revenue walking out the door.
Agent-as-a-Service for regulated operations. It starts at intake.
Step 01
Form
Guided intake collects the right documents in the right format.
Step 02
Fact
Every document is read. Every value is extracted and cited to its source page.
Step 03
Verify
Cross-check extracted facts against your rules or external systems. Surface mismatches before your team reviews.
Configured to your SOP, the agent rebuilds your origination intake, runs on top of your existing core, and verifies every submission. It starts at intake because that is where the work starts.
Purpose-built for
What your underwriters see when a loan package arrives
A complete credit file, every value cited, ready for judgment before review starts.
What your loan file agent does
Cited extraction
Revenue, EBITDA, debt ratios, collateral values. Every figure cited to its exact page in the statement, tax return, or appraisal.
Gap detection
Missing tax returns, expired appraisals, and incomplete filings are flagged before an underwriter opens the file.
Hosted intake
Applicants submit on your domain. The form asks for the right financial documents in the right format.
Human review
Underwriters review the extracted facts and pick from candidates. Corrections sharpen the next file.
See it on your actual loan files
Run a pilot on your own loan files. We show you cited extractions, verified financials, and measurable accuracy on your documents.