Term Loans
Accelerate commercial term loan origination from application to funding. Lama AI eliminates manual financial spreading, repetitive document chasing, and operational bottlenecks so lenders can move qualified borrowers through underwriting faster without expanding back-office capacity.
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Frictionless Intake.
Don't let outdated forms and scattered email threads slow down serious borrowers. Lama AI provides a sleek, mobile-responsive application experience with smart data pre-fill, guided workflows, and a secure client portal that helps businesses submit complete term loan applications with less friction.
Applicants know exactly what information is required, while your team receives structured borrower, business, ownership, and loan request data from the start.
Automated Cash Flow Analysis.
Replace hours of manual financial spreading with instant, standardized analysis. Lama AI gives borrowers flexible ways to share financial data, including bank account connections through Plaid, accounting software integrations, or manual uploads of tax returns, financial statements, and bank statements.
Whichever path they choose, Lama AI automatically parses, normalizes, and analyzes the data, transforming raw documents and live financial feeds into clear credit metrics, cash-flow trends, debt service capacity, and repayment-risk indicators in seconds.
Auto-Decisioning and Recommendations.
Move term loan requests through credit review faster without giving up control. Lama AI embeds your credit policy, risk appetite, eligibility rules, and approval thresholds directly into the workflow.
The platform generates instant risk grades, approval recommendations, structure guidance, and loan amount suggestions based on borrower profile, cash flow, leverage, repayment capacity, and your institution's unique underwriting criteria.
Whether you automate straightforward requests or route larger and more complex deals to a human-in-the-loop review, Lama AI helps your credit team focus on judgment instead of administration.
Automated Closing & Funding.
Turn approvals into funded loans without back-office delays. Once a term loan is approved, Lama AI orchestrates the closing workflow automatically, generating required loan agreements, routing documents for e-signature, tracking final conditions, and pushing approved data via API into your core systems.
From intake to underwriting to closing, Lama AI helps commercial lenders reduce cycle times, improve borrower experience, and fund more qualified term loans with the same team.
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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