Complex Commercial Credit

Complex Commercial Credit

Handle complex commercial credit without slowing the deal down. Lama AI helps banks manage multi-entity borrowers, layered ownership, guarantors, collateral, exposure, spreads, covenants, approvals, memos, and portfolio context in one intelligent workflow, giving commercial teams the depth of an enterprise credit platform with the speed and flexibility of AI-native automation.

Complexity Without the Workbook.

Bundled loans, multiple projects, and layered structures live in one place, not a fragile spreadsheet held together by hand.

Complexity Without the Workbook.

Bundled loans, multiple projects, and layered structures live in one place, not a fragile spreadsheet held together by hand.

Model the Whole Structure at Once.

See how projects, facilities, and entities interact in seconds, instead of rebuilding the relationships for every scenario.

Model the Whole Structure at Once.

See how projects, facilities, and entities interact in seconds, instead of rebuilding the relationships for every scenario.

Complex Commercial Credit, Without the Operational Drag.

Commercial lending gets complex fast: multiple entities, owners, guarantors, collateral positions, covenants, exposure, renewals, modifications, exceptions, and approval paths. Lama AI connects the full credit relationship in one workflow, helping teams understand the structure, manage the risk, and move the deal forward faster.

Complex Commercial Credit, Without the Operational Drag.

Commercial lending gets complex fast: multiple entities, owners, guarantors, collateral positions, covenants, exposure, renewals, modifications, exceptions, and approval paths. Lama AI connects the full credit relationship in one workflow, helping teams understand the structure, manage the risk, and move the deal forward faster.

AI-powered financial analysis.

Process any document into financial spreads in seconds with 95%+ accuracy. Configurable to your templates and chart of accounts, and adaptive to every product, industry, or analysis method.

Turn financials and tax returns into spreads, automatically

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

Engage borrowers 24/7 on any channel. Lama AI turns every conversation, email, or document upload into a complete application, keeping relationships seamless and in motion.

Automate pre-screening with modern client portal

Credit assistant guiding underwriters.

Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.

Works with the systems you already trust.

With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.

All the LOS capabilities, out of the box.

Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.

Check it out

Enterprise-grade security.

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

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GenAI at your service.

Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.

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

Built for complex commercial deals

See how banks use Lama AI to manage multi-entity borrowers, layered structures, and commercial credit complexity.
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