AI for Commercial Lending

From messy borrower packages to underwriting-ready in minutes.

Automate the paperwork. See credit risks earlier. Focus your time on moving the right loans forward, faster.

Works with your existing LOS. Your team stays in control.

The intake problem

Why legacy systems can’t keep up

Fragmented information.

A single application arrives as 20+ documents. It’s hard to see the full context: what’s still missing, what’s outstanding, and where the numbers conflict.

Delayed credit signal.

You can’t read the credit until the whole file is in, so a strong borrower and a bad deal look the same, and the team spends days on follow-up and underwriting for both.

Manual LOS entry.

Every fact is entered by hand into the LOS, across hundreds of fields and 50+ screens. It’s operationally heavy, slow, and error-prone.

All of this before underwriting can even begin, often one to two weeks. The faster lender wins the deal.

HOW AREMO WORKS

Make your existing lending stack intelligent.

Aremo follows the loan from the moment documents arrive to the moment the file is ready for underwriting—without replacing the systems your team already uses.

  1. 01

    Read & understand the documents borrowers send

    Bank statements, rent rolls, scans, spreadsheets, and invoices arrive in every format. Aremo reads the actual source documents and turns the evidence into clean, structured facts—no templates, no rekeying.

  2. 02

    Build a living loan file

    Aremo connects the information across the borrower, guarantors, ownership, collateral, facilities, and financials. As new evidence arrives, the loan file updates with it.

  3. 03

    Surface what needs attention

    Missing information, conflicting values, policy exceptions, and uncertain facts are surfaced with the underlying evidence—so the loan officer knows exactly what needs review.

  4. 04

    Execute in your existing LOS

    Once the file is ready, Aremo completes the application in the bank's existing Loan Origination System in seconds. No rekeying. No copy-paste. No rip-and-replace.

aremo · Loan Intelligence Layer ⇄ nCino
Read & Understand
Aremo is reading 3 source documents
Q1_bank_statement.pdf
First National BankStatement
Harbor Point Retail LLC · ••4471 · Mar 2026
Opening$20,860,700
Deposits+8,040,000
Withdrawals−2,083,500
Ending balance$26,817,200
Date · DescriptionAmount
03/14 · Wire Harbor Point+6,800,000
03/12 · ACH rent collection+1,240,000
03/10 · Payroll−842,500
03/08 · Insurance premium−640,000
03/02 · Maintenance−601,000
✓Monthly inflow$6,800,000
✓Ending balance$26,817,200
rent_roll.csv
UnitTenantSFRent
101Bayshore Coffee1,2004,200
102Tide Wellness1,8006,300
103Harbor Dental1,5005,250
104North & Co2,1007,350
105Seaside Gifts9003,100
106Pier Bistro1,6505,800
107Marina Pharmacy1,4004,950
108Driftwood Studio8003,050
—8 units11,35040,000
✓Property count8
✓Monthly rent$40,000
vendor_invoice.jpg
HARBOR
Maintenance Co.
INVOICE
Invoice #INV-2025-0418
Date04/18/2026
Due05/18/2026
Bill ToHarbor Point Retail LLC
DescriptionQtyAmount
HVAC quarterly service11,200
Landscaping & grounds1800
Plumbing repair1450
Janitorial supplies1350
Total$2,800
✓Invoice numberINV-12345
✓Invoice date07/07/2025
✓Total$15,750
Credit Intelligence Map RelationshipsEvidenceConflicts (5)
40% owner 35% owner 25% owner requests secured by guarantees
Owner
Lena Ortiz
40% stake · ••••9930
⚠ Disputed ownership
Owner · Guarantor
Sam Whitfield
35% stake · ••••1188
Owner · Guarantor
Grace Ndiaye
25% stake · ••••6677
Primary commercial borrower
Harbor Point Retail LLC
Borrower · FL · ••••9004
Requested facility
Requested CRE Mortgage
$4,200,000 · Term
Pledged collateral
Bayshore retail center
$5,600,000 (appraised)
operating_agreement.pdf
✓ Ownership reconciled · 100% verified
Needs reviewResolved Exceptions & Conflicts Harbor Point Retail LLC · 4 items
Ownership mismatch
78%vs82%
2024_corporate_tax_return.pdf · p.1 · ownership schedule
Missing guarantor statement
Missing
Requested from Sam Whitfield · pending borrower
Conflicting financial value
Net income $1.2M vs $1.4M
Conflict
bank_statement.pdf vs p&l_2024.xlsx · S-1
Policy exception
LTV 92% > 75% limit
Exception
appraisal_bayshore.pdf · p.3 · Credit Policy §6.4
o
Harbor Point Retail LLCLoan file ready · 127 fields verified
Populate LOS ↗
nCino· New Commercial Application · populating 127 fields
Legal name
Harbor Point Retail LLC
EIN
84-••••9004
Loan type
CRE Term
Facility amount
$4,200,000
Term
60 months
Rate
7.25%
Collateral
Bayshore retail center
Appraised value
$5,600,000
Primary guarantor
Sam Whitfield · 35%
Ownership
100% verified
✓ 127 fields populated · 1.2s · no rekeying

One platform. Every kind of commercial lending.

Commercial real estate

Connect property income, debt, and guarantor financials for a clearer view of the deal.

SBA lending

Untangle complex borrower packages and catch missing information before it delays review.

Equipment financing

Bring equipment costs and borrower financials together to move purchase decisions forward.

Working capital & lines of credit

Surface cash flow gaps, seasonal trends, and existing obligations to help assess repayment capacity.

Why Aremo

See the risk sooner. Keep the workflow you trust.

Other platforms
Wait for the complete borrower package before assessing risk.
Aremo
Starts with the first document and builds a live credit signal that evolves as information arrives.
Other platforms
Leave loan officers chasing missing documents and reconciling conflicting information.
Aremo
Identifies what is missing, follows up with borrowers and keeps the file moving 24/7.
Other platforms
Require another portal, workflow or system migration.
Aremo
Works with the LOS, CRM and document systems your team already uses.
Other platforms
Move sensitive borrower information into the vendor's cloud.
Aremo
Runs in your approved cloud, keeping borrower data under your control.
Other platforms
Produce opaque outputs that reviewers must trust.
Aremo
Links every output to its source evidence and keeps humans in control of consequential decisions.

Trusted AI expertise.

A team with deep operating experience in banking and AI at scale — every engagement is led by our Founder.

From a team that has 6+ years of experience shipping systems inside banks, and 10+ years building AI technology at scale across big tech companies like Amazon, Microsoft, and others.

Banking · 6+ yrs AI at scale · 10+ yrs Big Tech

Give your lending team escape velocity.

30-minute demo. Working pilot in two weeks, connected to your existing systems. Let Aremo do the heavy lifting. Make faster lending decisions with better insight.