> For the complete documentation index, see [llms.txt](https://docs.uptiq.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.uptiq.ai/commercial-lending/features.md).
# Platform features
See the features that stand out in Commercial Lending and which portals offer each one.
Commercial Lending automates intake, underwriting, and monitoring on one platform, with configuration your administrators can reuse across companies. Use this page for a quick view of the features that stand out and the portals that offer them. Each feature links to the page that documents it.
How to read the tables:
* **✓** means the portal offers the feature.
* **—** means the portal's documented workspace doesn't offer it.
* **Configure** means administrators set it up in that portal.
* **Invited** means the person can fill in only the sections an invitation opens.
* **If shared** means the loan officer has to share it first.
Your role and your organization's configuration decide what you see. See [Portals](/commercial-lending/getting-started/portals-and-roles.md) for who uses each portal.
## Features by portal
### Originate
| Feature | What it does | FI Admin | FI Staff | Partner | Borrower | Availability |
| ------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | --------- | -------- | ------- | -------- | ------------------- |
| [Application intake](broken://pages/XuHUfQWpkM8cxf2PTv0E) | Collects the application through a guided wizard or an uploaded application | Configure | ✓ | ✓ | Invited | Generally available |
| [Public intake](broken://pages/Xw4PBzhpkQRUcrlBiMHU) and [Global intake links](broken://pages/tdn7KK2suczWReQLWFXM) | Lets an applicant apply without signing in, or choose a company | Configure | ✓ | ✓ | ✓ | Generally available |
| [Collaborative intake](broken://pages/3X5MSl4aG2ZQWfdSnGBB) | Lets invited brokers, borrowers, and non-bank clients complete sections of an application | Configure | ✓ | Invited | Invited | Generally available |
| [Partner portal](broken://pages/s1DiY1T4Jnaus1dtS9Ym) | Gives partners their own view to create applications, upload documents, and hand off deals | Configure | ✓ | ✓ | — | Generally available |
| [Packet ingestion](broken://pages/vm6jDFgxCFelX2MgZJe1) | Turns deal folders from a connected Google Drive folder or email inbox into draft applications | Configure | ✓ | — | — | Tenant-configurable |
| [Customer records](broken://pages/ZwxXWKZFvA7ruMYMvCmC) | Keeps each borrower's profile, contacts, relationships, and applications in one place | — | ✓ | ✓ | — | Generally available |
| [Entity due diligence](broken://pages/FUkgOROecK3M6DGK6Pfc) | Reviews background reports, Articles of Organization, and UCC and tax liens | — | ✓ | — | — | Generally available |
| [Documents](broken://pages/XsuD4CRhLme4qZzQ79gw) | Collects, classifies, validates, and extracts each deal's documents | Configure | ✓ | ✓ | ✓ | Generally available |
### Underwrite and decide
| Feature | What it does | FI Admin | FI Staff | Partner | Borrower | Availability |
| --------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | --------- | -------- | --------- | -------- | ------------------- |
| [Financial spreading](broken://pages/kkYXTbfCczAyWBTPNVfY) | Turns financial documents into standard statements | Configure | ✓ | If shared | — | Generally available |
| [Spreading guide and export](broken://pages/sxbOsk2cvrtaiyvSJ9mn) | Walks through the spreading steps and exports the result | — | ✓ | — | — | Generally available |
| [Global and guarantor analysis](broken://pages/6YvEtppOKKDfoyvhlevj) | Aggregates cash flow and coverage across entities, and reviews guarantors' personal financials | — | ✓ | — | — | Generally available |
| [Property and rent roll review](broken://pages/SEvjYdsq5LTqu5zXuO0j) | Underwrites rent rolls, property cash flow, and collateral performance | — | ✓ | — | — | Generally available |
| [Lease abstract](broken://pages/zbXO5Uf31ld9dAxGspAg) | Summarizes a lease taken from its source document | — | ✓ | — | — | Generally available |
| [Projections and stress testing](broken://pages/z1xvlQbxTj4tloUkQkZw) | Projects cash flow and runs stress scenarios | — | ✓ | — | — | Generally available |
| [Risk rating](broken://pages/TMpLigaCHggVmOaohQKa) | Scores a deal against the risk rating model its product attaches | Configure | ✓ | — | — | CRE and C\&I |
| [Credit policies](broken://pages/PZJjZoHJgdFcJrg9AoOE) | Tests each deal against the underwriting policies configured on its product | Configure | ✓ | — | — | Generally available |
| [Credit memo](broken://pages/ZUFSQDiPM4ZEzh3CxukR) | Assembles the approval document from deal and underwriting data | Configure | ✓ | If shared | — | Generally available |
| [Payment calculator](broken://pages/m0Sa7KsYdGhT5prDc0nW) | Calculates amortization schedules and as-of-date balances for any loan structure | — | ✓ | — | — | Generally available |
| [Copilot](broken://pages/SiI6SGumb7CWJ3UZlUpW) | Answers questions about a deal, its entities, spreads, and documents in a chat panel | Configure | ✓ | — | — | Beta |
### Close and monitor
| Feature | What it does | FI Admin | FI Staff | Partner | Borrower | Availability |
| -------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------ | --------- | -------- | ------- | -------- | ------------------- |
| [Generated documents](broken://pages/dH83XAkJTRLqY8aKc1zB) | Generates the letter of interest, preflight memo, closure document, and template-based documents | Configure | ✓ | — | — | Tenant-configurable |
| [Templated document editor](broken://pages/nNQxGFoWeoc3C0kZSWTT) | Edits, refines, regenerates, previews, and exports the sections of a generated document | — | ✓ | — | — | Tenant-configurable |
| [Dispositions](broken://pages/WI6lxGgPoedKBzRT29Yb) | Records why an application was declined or withdrawn | Configure | ✓ | — | — | Generally available |
| [Core banking handoff](broken://pages/P03VtBTIeAThvA90dSZu) | Maps a loan product to the core banking provider so approved deals book correctly | Configure | ✓ | — | — | Tenant-configurable |
| [Covenant monitoring](broken://pages/ExVPio48FQTH6aqK84f0) | Tracks covenant status, exceptions, due dates, and ticklers across entities | Configure | ✓ | — | — | Generally available |
| [Compliance and credit reviews](broken://pages/LmYbYYNMbEINMlIPtUtF) | Reviews covenant documents and financials, and completes periodic credit reviews | — | ✓ | — | — | Generally available |
| [Legacy covenant migration](broken://pages/oTA9HELXASQ5XWUnVT9C) | Imports existing covenants from a spreadsheet in validated batches | — | ✓ | — | — | Generally available |
### ICRE
Institutional CRE (ICRE) deals use the same portals with their own stages and product types. See [ICRE deals](broken://pages/ee7k5ErjqGtpPOk0yzfo).
{% hint style="info" %}
Institutional CRE is available to specific customers. Contact your account team.
{% endhint %}
## Spreading and covenants
Spreading standardizes a borrower's financials. Covenant tracking monitors loan-agreement conditions after close. Both are configured once for a company and reused across its products.
| Configuration | What you set up | Configure it here |
| --------------------- | ------------------------------------------------------------------ | ------------------------------------------------------------------------- |
| Financial spreading | Display precision and chart-of-accounts mappings | [Spread configs](broken://pages/388be1abc0280d2fcce71211c7ebacca36644bd4) |
| Covenant monitoring | Product types, chart-of-accounts mappings, and spread requirements | [Covenant configs](broken://pages/KKchneJt7SmsITkePXji) |
| Covenant calculations | Reusable spread templates | [Covenant spread templates](broken://pages/DCdG9jwBx5xn7oyYU9XR) |
Staff then use the [Spreading guide](broken://pages/5CXyjyUhQnGBw2ZG5oPG), the [Covenant dashboard](broken://pages/ExVPio48FQTH6aqK84f0), and [Covenant consolidation](broken://pages/TkTZ1HJULgyMOS9qRL9c). Spread configs, covenant configs, and covenant spread templates open for the Tenant Admin. See [Spreading & covenants](broken://pages/uTsfeTSS3oQog0SbZ41h).
## Built in for administrators
Administrators configure Commercial Lending once and reuse it. This table lists what is built in and who sets it up.
| Feature | What it gives you | Set up by | Learn more |
| ---------------------------- | ------------------------------------------------------------------------------------ | ------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------- |
| Product cloning | Copies a product into one or more companies as an editable draft | Roles that hold the Clone Loan Product Type permission | [Clone a product](broken://pages/pJ5bqSjgNGLZa9TGDavT#clone-a-product) |
| Global products | Configures a product once and shares it with every company in the tenant | Tenant Admin | [Global products](broken://pages/gWdHL2endGcqDtOPEDbv) |
| Bulk publish | Publishes the products of several companies and product types in one action | Super Admin | [Bulk publish](broken://pages/WkKyleT3Qmdv5Cit29Ma) |
| Stage library and checklists | Reusable stages and checklist items for each product | Customer Admin, Configurator | [Stage library](broken://pages/4PveN1iaQNWf3DYcviYt), [Checklist items](broken://pages/a3mHzRyrCN4VoQutaoEu) |
| Product wizard | Guides the setup of a new product | Configurator | [New product wizard](broken://pages/yO5SyRK7c7XpAtSO4G3Q) |
| Risk rating model templates | Nine ready-made models to start from | Configurator | [Templates](broken://pages/tIzHhmT4cqDiLBmsqRCf) |
| Document templates | Defines the template-based documents a product generates | Customer Admin, Configurator | [Document template](broken://pages/a3d1212da448a9d8a11ee2ea700447330496a985) |
| Covenant spread templates | Reusable spread layouts for covenant calculations | Tenant Admin | [Covenant spread templates](broken://pages/DCdG9jwBx5xn7oyYU9XR) |
| Email templates | Defines the notification emails sent to users and borrowers, with import and preview | Tenant Admin | [Email templates](broken://pages/8e4df4dd0cba1a3da13e34cb2d8c0706bd607358) |
| Portal branding | Sets the portal title, description, disclaimer, logo, and theme for each portal | Tenant Admin, Customer Admin, Configurator | [Branding](broken://pages/X8mLUQoeSD9mpfXL4o18), [Branding and experience](broken://pages/6NTItW4eK4ZTryPagbc9) |
| Custom roles | Creates a role, or clones an existing one, and assigns permissions | Tenant Admin | [Manage roles](broken://pages/7RchPvdUMlzZu0wte1oH) |
| Single sign-on | Lets staff and borrowers sign in with your identity provider | Super Admin | [Auth providers](broken://pages/mUT7jK562tdGefcpPqUa) |
| Feature switches | Turns organization-wide capabilities on | Super Admin | [Features](broken://pages/46ffe76e7c2eb5ed80a19fe1885e3281337bb53f) |
| Audit and reporting | Records user activity and the audit trail, runs reports, and exports data | Tenant Admin, Super Admin | [Audit and reporting](broken://pages/XR40U4otI8syhjcqnha6) |
See the [Settings scope map](broken://pages/H0Z5D44rOB8TUJBy64pg) for which role sees which Settings page.
## AI agents replace manual work
AI agents do the repetitive work, and people make the decisions. Each agent has its own page. See [AI agents](/commercial-lending/ai-agents.md).
| Step | Manual work it replaces | What the agent does | Where a person reviews | Agent page |
| --------------------- | --------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------- | ----------------------------------------------------------------------- |
| Intake to application | Manual entry, document sorting, and borrower follow-up | Collects intake answers, classifies uploaded documents, and creates a structured deal record | Product choice, document labels, draft follow-up | [Intake Superagent](broken://pages/h97WZvc1Np8UOL6HuFFe) |
| Pre-Screening | Keying line items, building statements, calculating ratios, and drafting the memo | Extracts line items, builds statements, calculates ratios, models projections, and assembles the credit memo | Extraction quality, reclassification, adjustments, assumptions, memo edits | [Underwriting Agent](broken://pages/SrxdRaV7FGsHV7e8vef5) |
| Property analysis | Rent roll and operating statement analysis by hand | Spreads historical property income and expenses and builds the tenant schedule | Rent roll accuracy, underwriting assumptions, rent bump treatment | [CRE Underwriting Agent](broken://pages/ugc1a8EDfKP5sRpMW5xH) |
| After closing | Clause-by-clause agreement review and manual data entry | Extracts covenants from signed loan agreements and tracks compliance | Covenant selection, exception handling, import cleanup | [Continuous Monitoring Superagent](broken://pages/Y1RtCHzd4DnRzCYtVkhg) |
Task agents handle single jobs inside these superagents. Browse the agents available to you in [Agents](broken://pages/C0Bhnd8wk4rAhYwhP4tw), and map each to your tenant in [Agent configurations](broken://pages/c01a0a65dbc47b21c6b9b2baddd53e74ec72fb67).
{% hint style="info" %}
In underwriting, each module has a reviewer sign-off gate: **Pending → Reviewed → Signed-off**. Downstream modules can't use a module's data until it's signed off. See [Reviewer sign-off](/commercial-lending/getting-started/concepts/reviewer-sign-off.md).
{% endhint %}
## Built to work with AI
Commercial Lending exposes its data and actions to AI clients through documented, permission-checked interfaces.
| Feature | What it gives you | Learn more |
| ------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------ |
| MCP servers | Three endpoints: an account-scoped LOS server with 26 tools, a reporting server with 10 tools that consolidates reports across the accounts the caller can access, and a tenant administration server | [MCP servers](broken://pages/3Uy6pt5DODPVxhRjROkH) |
| Permission-checked tools | Every tool is checked against a permission before it runs. A tool marked destructive also needs an explicit confirmation in its input | [MCP servers](broken://pages/3Uy6pt5DODPVxhRjROkH#permissions) |
| Connector consent | A user approves an MCP connector for one account on a consent screen | [Authorize an MCP connector](broken://pages/SyeOla3EeZ98iSzHZKnX) |
| API keys | Per-user keys for integrations | [API keys](broken://pages/4jakOFpJKt3GcngUFLGr) |
| Agent chat | Chat with a live agent in a full-screen window | [Agents](broken://pages/C0Bhnd8wk4rAhYwhP4tw) |
| AI-drafted memo sections | Credit memo sections can use AI instructions to generate their content | [Credit memo](broken://pages/9mUxGzL5aGZteVcrWiLQ) |
| Responsible use | AI output is advisory, a person records the decision, and run records and audit logs are kept | [AI assurance](broken://pages/H3E7QXckCLkDyAsGj26d), [Audit logs](broken://pages/Bsp9134BbBVsiIk3jWSi) |
| Training data export | Creates model-training workbooks from chart-of-accounts data | [Export training data](broken://pages/EqNW72MeXZTMzXiWzLws) |
## Related
| | |
|---|
| Platform Reference | How the platform is organized and where each capability is documented. | Platform Reference |
| Portals | Who uses each portal and what it offers. | Portals |
| Action finder | The button for a task on each portal screen. | Action finder |
| AI agents | What each agent does and how agents are configured. | AI agents |
***
{% columns %}
{% column width="83.33333333333334%" %}
Maintained by Abhishek Paul
AI-assisted, human-approved
{% endcolumn %}
{% column width="16.666666666666664%" %}
{% endcolumn %}
{% endcolumns %}
---
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