Lending OS
Features Deal Types Workflow Security

An Underwriting Workspace Built for Commercial Debt Advisors

One deal file, from first document to signed credit memo. Spreading, borrowing base, and collateral analysis in one workspace. No re-keyed numbers. No rebuilt spreadsheet before committee.

Financials read and verified by AI Live borrowing base tracking Credit memo generated on demand

Built for Canadian corporate finance and commercial mortgage advisors. Deal data stays confidential to your firm.

Lending OS / Deals / Sunridge Veterinary Clinic Inc.
Underwriting Snapshot
Maximum Supportable Loan
$570,000
Binding constraint: LTV
LTV-Constrained $570,000
DSCR-Constrained $10,257,227
Debt-Yield-Constrained $14,212,500
Independent verification: 1 extracted adjustment flagged for review before a credit memo can be generated.
Balance Sheet Check
Line ItemFY2021FY2022FY2023
Total Assets$5,400,000$5,750,000$5,950,000
Total Liabilities$3,600,000$3,650,000$3,720,000
✓ Balance sheet balances (Assets = Liabilities + Equity)

Platform Capabilities

Built for how underwriting actually works

01

AI Financial Extraction

Upload financial statements once. Revenue, EBITDA, and full balance sheet detail are read automatically, down to line items like COGS, opex, and D&A, exactly as itemized in the source.

02

Independent Verification

A second, independent AI pass re-derives every figure straight from the source document. Discrepancies get flagged for a human to resolve before anything reaches credit committee.

03

Document Once, Run Everywhere

A client's initial upload flows straight into spreading and collateral analysis. No downloading a file just to re-upload it at the next step.

04

Live Borrowing Base Tracking

Eligible A/R and inventory, each haircut by its own advance rate, less reserves. Every recalculation is kept as an auditable history, and a shortfall against the committed line is flagged automatically.

05

Construction Draws & Holdbacks

Principal is disbursed as work completes. Each draw carries a statutory holdback, 10% by default to match typical Canadian practice, and an over-commitment flag fires the moment requested draws exceed the committed amount.

06

Underwriting Flags & Collateral Detail

DSCR, leverage, LTV bands by property type, tenant concentration, WALT, lease rollover, deferred maintenance, and appraisal age, calculated and flagged as soon as the numbers are in. Equipment collateral shows both orderly and forced liquidation value.

Built for the Deals Advisors Actually Place

Owner-occupied commercial mortgages. Multifamily, CMHC-insured and conventional. Construction loans with staged draws and statutory holdbacks. Asset-based operating lines governed by a live borrowing base against eligible receivables and inventory. Every model reflects how these deals actually get underwritten.

Commercial Mortgages
CMHC & Conventional
Construction Draws & Holdbacks
Asset-Based Lines (Live Borrowing Base)

From First Document to Signed Credit Memo

1

Document Collection

A secure client portal collects everything on your checklist, with real-time status updates on what's outstanding.

2

Spread & Verify

Statements are spread and independently re-checked. Add adjustments with a plain-English rationale to accept or edit.

3

Underwrite & Close

DSCR, leverage, and collateral map live. A pristine, compliant credit memo is auto-generated before the committee meeting.

Security and access, matched to what's at stake

Bank-grade protective baselines for sensitive mid-market deal profiles.

Two-factor authentication (authenticator app, with recovery codes) required for every admin account, and available to any user.

Role-based access: editors, viewers, and per-deal collaborators.

Full, transparent audit trail on every extraction, manual edit, and status change.

Bring a Real Deal. We'll Spread It Live.

One call. One active file. See the financials spread and the debt structure mapped in real time.