Lines of Credit
Help businesses access flexible working capital faster while giving your credit team stronger control over limits, renewals, and ongoing risk. Lama AI automates line of credit origination by streamlining intake, financial analysis, borrower verification, and credit-limit recommendations so lenders can approve qualified applicants quickly and manage revolving exposure with confidence.
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Frictionless Intake.
Don't let complex applications and endless document requests slow down borrowers who need flexible capital. Lama AI provides a sleek, mobile-responsive application experience with smart data pre-fill, guided workflows, and a secure client portal that helps businesses apply for a line of credit with less friction.
Applicants can easily submit business details, ownership information, requested credit limits, intended use of funds, and supporting documents in one organized workflow.
Automated Cash Flow Analysis.
Underwrite revolving credit with a clearer view of liquidity, volatility, and borrowing capacity. Lama AI gives applicants flexible ways to share financial data, including bank account connections through Plaid, accounting software integrations, or manual uploads of financial statements, tax returns, and bank statements.
Whichever path they choose, Lama AI automatically parses, normalizes, and analyzes the data, transforming live feeds and uploaded documents into clear insights on cash-flow trends, revenue seasonality, working capital needs, account activity, debt obligations, and repayment capacity.
Auto-Decisioning and Credit Limit Recommendations.
Move line of credit applications through review faster while keeping your credit policy fully under your control. Lama AI embeds your eligibility rules, risk appetite, utilization criteria, renewal logic, exposure limits, and approval thresholds directly into the workflow.
The platform generates instant risk grades, approval recommendations, and optimized credit-limit suggestions based on borrower liquidity, cash-flow volatility, historical revenue patterns, leverage, repayment capacity, and your institution's unique underwriting criteria.
Whether you automate straightforward requests or route higher-limit and exception cases to a human-in-the-loop review, Lama AI helps your team make faster, more consistent credit decisions for revolving products.
Automated Closing & Activation.
Turn approved applications into active credit lines without back-office delays. Once a line of credit is approved, Lama AI orchestrates the closing workflow automatically, generating required agreements, routing documents for e-signature, tracking final conditions, and pushing approved data via API into your core or lending systems.
From application to approval to activation, Lama AI helps lenders scale revolving credit programs with less manual work, stronger limit discipline, and a faster borrower experience.
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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