Construction
Keep complex construction lending moving without drowning your team in manual document collection, draw tracking, budget monitoring, and back-and-forth coordination. Lama AI streamlines construction loan origination and administration by automating borrower intake, financial analysis, project documentation, risk review, decisioning, closing, and ongoing draw management so lenders can move qualified projects forward faster with stronger operational control.
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Frictionless Intake.
Don't let scattered project documents, manual forms, and endless email threads slow down qualified borrowers. Lama AI provides a sleek, mobile-responsive application experience with smart data pre-fill, guided workflows, and a secure client portal that helps borrowers submit construction loan requests with less friction.
Applicants can provide borrower details, ownership information, project scope, budget, timeline, contractor information, collateral details, requested loan amount, use of funds, and supporting documents in one organized workflow.
Automated Cash Flow & Project Analysis.
Evaluate borrower strength and project feasibility without hours of manual review. Lama AI gives applicants flexible ways to share financial data, including bank account connections through Plaid, accounting software integrations, or manual uploads of tax returns, financial statements, bank statements, rent rolls, budgets, plans, permits, appraisals, contractor documents, and project schedules.
Whichever path they choose, Lama AI automatically parses, normalizes, and analyzes the data, transforming financial records and project documentation into clear insights on cash flow, repayment capacity, project cost, budget alignment, borrower leverage, collateral position, contractor readiness, timeline risk, and overall construction feasibility.
Auto-Decisioning and Structure Recommendations.
Move construction loan applications through credit review faster while keeping your lending policy fully under your control. Lama AI embeds your eligibility rules, risk appetite, borrower requirements, collateral criteria, loan-to-cost logic, loan-to-value thresholds, contingency requirements, project phase rules, sub-limit controls, and approval workflows directly into the process.
The platform generates instant risk grades, approval recommendations, structure guidance, and loan amount suggestions based on borrower profile, repayment capacity, project budget, collateral value, construction timeline, contractor information, remaining availability, and your institution's unique underwriting criteria.
Whether you automate straightforward requests or route larger, phased, or exception-based projects to a human-in-the-loop review, Lama AI helps your team make faster, more consistent construction lending decisions.
Automated Closing & Loan Setup.
Turn approved construction loans into closed, structured facilities without back-office delays. Once a request is approved, Lama AI orchestrates the closing workflow automatically, generating required agreements, routing documents for e-signature, tracking final conditions, and pushing approved loan data via API into your core or lending systems.
The platform can help structure the facility with approved loan amounts, project budgets, draw schedules, budget categories, retainage rules, contingency reserves, sub-limits, and required conditions so the loan is ready for controlled staged funding from day one.
Automated Draw Management & Funding.
Keep construction funding moving while maintaining control over every release. Lama AI helps orchestrate the ongoing draw workflow, allowing borrowers, builders, or contractors to submit draw requests through a secure digital portal with supporting invoices, progress documentation, inspection reports, lien waivers, and required approvals. The platform helps track budget line items, remaining availability, funded-to-date amounts, project milestones, retainage, contingency usage, borrower equity contributions, and sub-limits across each phase of the project. Your team gets a clear view of what has been funded, what remains available, and which conditions must be satisfied before the next release.
By automating draw intake, document collection, condition tracking, approval routing, and system updates, Lama AI helps lenders reduce manual follow-up, improve project visibility, and fund draws faster without losing control over construction risk. From application to approval to staged funding, Lama AI helps lenders reduce cycle times, improve borrower and builder coordination, and manage complex construction loan workflows with less manual work.
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.
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.
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