The Operating System for
Agentic Lending.
CreditOS unifies messy applicant data into a high-fidelity decision stream. Autonomous agent swarms collaborate to move deals from intake to “Ready for Underwriting” in minutes, not weeks.
SBA lending is broken by data fragmentation.
Fragmented Inflow
Data arrives in a chaotic mixture of PDFs, emails, and legacy portal exports that lack a unified schema.
Underwriter Drag
Highly-paid analysts spend 60% of their time on manual data entry and "stipulation chasing" instead of risk analysis.
Incomplete Packages
Files sit idle for days awaiting a single missing document, killing borrower momentum and deal velocity.
Criteria Gaps
Invisible policy violations only surface at the very end of the funnel, resulting in wasted institutional resources.
Apex Manufacturing Co.
The “Assisting” Layer
- category
Unstructured Classification
Identifying document types from thousands of possible SBA templates and variants.
- find_in_page
Stipulation Identification
Deep semantic search to find "missing pieces" hidden within multi-hundred page PDF bundles.
- chat_bubble_outline
Policy Explanation
Translating SOP 50 10 7 guidelines into actionable feedback for brokers and borrowers.
The “Approving” Layer
- calculate
Global Cash Flow Math
Hard-coded, audited financial spreading that cannot hallucinate or error.
- fact_check
Policy Pass/Fail Triggers
Boolean verification of loan-to-value, debt-to-income, and liquidity requirements.
- history_edu
Immutable Audit Trail
Every data point is mapped back to its source pixel with a persistent ledger record.
Agent Swarms. One file. Total transparency.
CreditOS agents don't just “process”—they collaborate in real-time to solve complex file deficiencies.
Agents IA and PA are cross-referencing Tax Returns against Credit Policy. 89% agreement on deal viability.
SBA Leaders
Drive growth without adding headcount. Turn your lending unit into a high-margin engine.
Underwriters
Eliminate the grunt work. Review "perfect files" every time and focus on complex risk logic.
Operations
Standardize inflow across every channel. Reduce time-to-close by 40% with automated chasing.
Brokers
Get instant pre-quals. Know exactly what's missing in real-time to keep your borrowers engaged.
Built for Regulatory Rigor.
Headless Access
Deep API integration that lets you build agentic workflows directly into your existing CRM or portal without leaving your tech stack.
Agent Control Plane
A centralized dashboard where you can adjust agent "temperature," set specific document criteria, and monitor performance metrics.
Readiness Intelligence
Proprietary scoring that predicts file approval probability before it ever reaches a human underwriter.
Audit-grade Trust
Every agentic thought is logged, watermarked, and stored for FDIC-level audit compliance and transparency.
Upstream of your LOS.
CreditOS is not a replacement for your Loan Origination System. It's the intelligent engine that prepares, cleans, and structures files before they touch your human workflows.
Regulator-Grade Telemetry
Your data is never co-mingled or used for baseline model training. Dedicated compute for institutional security.
Every API call, document upload, and agent inference is timestamped and recorded in an immutable ledger.
Human-in-the-loop triggers for any calculation with less than 99.8% confidence. AI assists, humans decide.
The system explicitly prohibits autonomous credit decisioning. We build the file; you pull the trigger.
Join the Founding Cohort.
We're partnering with a select group of SBA lenders shaping the first agentic OS for commercial credit. Reduce overhead, increase volume, and secure your market lead.
Deployment cycles start at 14 days.