The first Agentic AI for SMB & Commercial lending

Originate more. Chase less.

Turn messy borrower packages into a decision-ready credit memo in 5 minutes.

Join community and regional banks leveraging AI agents

Winning teams run commercial lending on Lama AI

β€œIf you are going to employ AI, credit underwriting is one of the most impactful places to start. If you are tackling credit underwriting, Lama AI should be in the conversation. We tested several small business LOS platforms and Lama AI ended up being our choice. They have performed well for us over the past three years.β€œ

Chris Nichols

President, Institutional Banking

β€œWith its advanced features, rapid configurability, intuitive design, and exceptional support, Lama AI empowers us to work with greater precision and agility."

Ryan Goellner

EVP of Technology

β€œWe think a lot about how technology actually drives the bank forward, and it has to show up in our day-to-day operations. Lama AI’s Agentic AI platform fits into how we operate across lending, helping our team move faster and keeping things simpler.”

Laurie Senn

Executive Vice President and Chief Administrative Officer

β€œLama has played a key role in modernizing our operations with seamless efficiency. Their commitment to personalized service and flexible technology has allowed us to expand our use of the platform into credit cards and C&I lending. Today, their platform serves as the foundation for delivering an exceptional experience to both our customers and our internal teams.”

Chris Hebbard

SVP, Credit

β€œAfter evaluating twelve vendors, we chose Lama AI as our LOS platform. They listen, move fast, and their solution adapts to our specific needs. I trust them as our AI-first partner as we grow more agile in commercial lending.”

Martin Navratil

SVP II, Director of Credit Administration

Gate City Bank accelerates approvals by 10x

Read how a $3.6B bank replaced legacy lending with Agentic AI, and gave business customers faster access to credit, without sacrificing human judgment.

End-to-end, from intake to closing and servicing

Across all commercial products

Auditable and explainable

Empower your lending team with AI Agents. From prospecting to servicing.

Lama AI's modular agents handle every stage, from a borrower's first message to a credit memo ready for committee β€” in minutes.

Meet your 24/7 team

Intake optimizer

Document assessor

Memo generator

Workflow Orchestrator

Borrower Assistant

Lender Researcher

Insight CreatorΒ 

Loan structure advisor

Monitoring Operator

AI Agents turn any input into a complete application. Instantly.

Engage borrowers 24/7 on any channel. Turn every conversation, email, online submission, or zip folder upload into a complete application.

Automate pre-screening with modern client portal
Loan application #1203
Intake
Auto-filling with Lama AI… 0%

AI-powered financial analysis.

Process any document into financial spreads with 95%+ accuracy. Configurable to your templates, chart of accounts, and analysis method.

Turn financials and tax returns into spreads, automatically

Every write-up. Ready when you need it.

Customer responses, follow-ups, credit memos, and narratives β€” written to your standards. Your team reviews, refines, and sends. Always in control.

Credit assistant guiding underwriters.

Context-aware and explainable AI assistant that compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.

100+ integrations.
‍Out of the box.

Built on a RESTful API with 100+ pre-built integrations: core systems, risk models, SoS, E-Tran, eSignature, and more. Adding anything new is easy.

Live and lending, in weeks.

Go live in as little as 3 weeks with industry-proven templates for SBA, CRE, C&I, and more. When you're ready to customize it to be 100% yours - no professional services needed.

Check it out

Enterprise-grade security.

Protect your data and your customers' trust with built-in compliance and bank-level safeguards. SOC 2 Type 2 certified and CCPA/CPRA compliant, with 256-bit AES encryption, role-based access, and SSO β€” only the right people have access at every step.

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Modular or end-to-end?
the choice is yours.

Knowledge is power

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