Question 1

Where do the citations come from?

Accepted Answer

Every extracted figure keeps a pointer to the document, page and line it was read from. Hovering a cell in the spread opens the source page beside it, so a reviewer can confirm the number without leaving the file — and the same pointer travels into the memo footnotes.

Question 2

Does it spread into our template?

Accepted Answer

Yes. LendPipe maps line items to your institution's existing spreading template and ratio definitions, including custom add-backs and your global cash flow treatment. Nothing forces your credit team onto a new format.

Question 3

What happens to our data?

Accepted Answer

Borrower data is never used to train or fine-tune models. Every organization is isolated at the tenant level with role-based access control, and files are encrypted with AES-256 at rest and TLS 1.3 in transit.

Question 4

Does it replace our analysts?

Accepted Answer

No — it removes the keying. Analysts review a spread that already exists, interrogate the exceptions, and own the credit judgment and the recommendation. The measured effect is roughly 6.5 hours returned per deal, not fewer people needed on the desk.

Question 5

Why not just use ChatGPT or Copilot?

Accepted Answer

A general assistant can read a document and answer a question about it. It has no view of the deal file across sessions, no map to your spreading template, no version of your credit policy to screen against, and no committee memo format. LendPipe runs on large language models underneath — the product is the underwriting workflow, the configuration to your institution, and the audit trail built around them.

Question 6

How long does onboarding take?

Accepted Answer

Most teams run a live deal in the first session: upload a recent package, compare the spread against the one your analyst produced by hand, then load your policy gates. Template mapping and policy configuration typically finish inside two weeks.

Line item	FY 2025	FY 2024	FY 2023
Revenue1	4,118,240	3,512,400	3,204,900
Cost of goods sold	(2,611,900)	(2,284,100)	(2,096,300)
Operating expenses	(1,045,100)	(968,400)	(870,500)
Operating income2	461,240	259,900	238,100
Owner comp add-back3	184,000	—	—
Depreciation	96,410	91,200	88,400
Adjusted EBITDA	741,650	351,100	326,500

Underwrite borrower packages in hours, not weeks.

Most of the week goes to work that isn’t credit.

Documents arrive as a pile

Spreading is retyping

Policy comes last

Memos start blank

Six steps of underwriting, one continuous file.

Document classification

The same file, tuned to how your desk lends.

Commercial lending

SBA lending

Community banks

Credit unions

Merchant cash advance

Private credit

What does the capacity gap actually cost you?

Questions credit teams ask first.

Your next deal shouldn't take a week to underwrite.