> 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/platform-overview.md). # Platform Reference Reference Commercial Lending organization, capabilities, AI agents, roles, and data flow. Commercial Lending is a loan origination system (LOS) for commercial credit. It covers a deal from the first application to covenant monitoring after the loan is booked. AI agents prepare the work at each step, and your team reviews and signs off before anything moves on. The platform is offered as product lines; see [Product lines](/commercial-lending/product-lines.md). This page explains the building blocks the platform is made of, then maps every capability to the page that documents it. Read it once before you look up a screen or a setting. ## At a glance | Item | Detail | | ------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | | **What it covers** | Intake, pipeline management, due diligence, documents, underwriting, credit decisioning, document generation, closing, and post-close monitoring | | **Who uses it** | Bank staff (Tenant Admins, Customer Admins, Configurators, Loan Officers, Credit Analysts, and Relationship Managers) and partners (brokers and borrowers) | | **How work gets done** | AI agents extract, classify, analyze, and draft. Your team reviews, adjusts, and signs off. | | **What drives behavior** | The loan product. Every application inherits its product's intake, stages, checklist, credit policies, disclosures, and memo. | ## Platform organization Everything in Commercial Lending follows one hierarchy. Learn it first, because settings, permissions, and data all follow it. {% stepper %} {% step %} ### Tenant Your organization's instance of the platform. Tenant-wide settings, platform roles, branding, and integrations live here. See [Settings](broken://pages/R7BzIKEGwDgA9C2crw0G). {% endstep %} {% step %} ### Company A lending business inside your tenant, with its own users, teams, products, and spread and covenant configurations. The Customer Admin opens the spread and covenant configurations. The UI calls a company an *account*; the two words mean the same thing. See [Company hub](broken://pages/1f520qLQZX4riq4OaJV6). {% endstep %} {% step %} ### Loan product A reusable configuration that every application created from it inherits. A product is created from a **product category -** CRE, C\&I, or ICRE - which sets its starting configuration. A product must be both **Active** and **Published** before new applications can use it. See [Product configuration](broken://pages/8XjuxtKEaCOf1eAeUy41) and [Product categories](broken://pages/QTXzZLbKP1zarC62w7aB). {% endstep %} {% step %} ### Application One financing request is called a *deal*. It moves through portfolio stages, such as **Intake**, **Application** and **Pre-Screening**, until it closes or ends. The stages that follow depend on the product. See [Loan stages](/commercial-lending/getting-started/loan-stages.md). {% endstep %} {% step %} ### Entity Each party on an application: a business borrower, an individual guarantor, or a property. Documents, financials, background reports, and covenants attach to entities, not to the application as a whole. See [Entity page](broken://pages/8e85q76D0mvxqBTjiLnp). {% endstep %} {% step %} ### Loan account The booked loan after an application reaches **Closed**. Covenants and reviews are tracked against loan accounts. See [Loan accounts](broken://pages/9TlAoueET4bz7Ghm30HL). {% endstep %} {% endstepper %} ## Capabilities Each tab groups the capabilities for one part of the lending process. Each row links to the page that documents it. {% tabs %} {% tab title="Originate" %} | Capability | What it does | Applies to | Documented in | | ------------------------ | ---------------------------------------------------------------------------------------------------------------- | ---------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Application intake** | Collects the borrower's answers through the intake wizard, a public intake page, or a global intake link | All | [Intake questions](broken://pages/XuHUfQWpkM8cxf2PTv0E), [Public intake](broken://pages/Xw4PBzhpkQRUcrlBiMHU), [Global intake links](broken://pages/tdn7KK2suczWReQLWFXM) | | **Collaborative intake** | Lets brokers, borrowers, and non-bank clients fill in and upload what a loan officer invites them to | All | [Intake collaborators](broken://pages/3X5MSl4aG2ZQWfdSnGBB) | | **Partner portal** | Gives brokers their own view of the Borrower Portal to create applications, upload documents, and hand off deals | All | [Partner portal](broken://pages/s1DiY1T4Jnaus1dtS9Ym) | | **Packet ingestion** | Turns deal folders from a connected Google Drive folder or email inbox into draft applications | All | [Packet ingestion](broken://pages/vm6jDFgxCFelX2MgZJe1) | | **Pipeline management** | Shows pipeline volume, lets you filter deals by stage, pick them up, and assign them | All | [Dashboard](broken://pages/4vVejF60nZP80Zj6NxTp), [Applications](broken://pages/HlkkNFhKVf67h4lJZGgG), [Portfolio view](broken://pages/SxRAmlb5W4xXdZ9GSa1K), [Intake drafts](broken://pages/1ZhErIET6VASIpnIg0cL) | | **Customer records** | Keeps each borrower's profile, contacts, relationships, and applications in one place | All | [Customers](broken://pages/ZwxXWKZFvA7ruMYMvCmC), [Customer detail](broken://pages/lp8TRR4VPR1efgmkHBY7) | | **Entity due diligence** | Reviews background reports, Articles of Organization, and UCC and tax liens against each entity's record | All | [Background report review](broken://pages/FUkgOROecK3M6DGK6Pfc), [Articles of organization](broken://pages/5OsdluITYTX8dwsTv0f6), [UCC and liens](broken://pages/uF6ecgSWJLHMnwGIkCeZ) | | **Partner banks** | Records the lead bank on an application from the synced partner bank list | All | [Partner banks](broken://pages/M45dx01v5g6sd4stSvB6) | | **Documents** | Collects, classifies, validates, and extracts each deal's documents | All | [Documents](broken://pages/XsuD4CRhLme4qZzQ79gw) | | {% endtab %} | | | | {% tab title="Underwrite and decide" %} | Capability | What it does | Applies to | Documented in | | --------------------------------- | ----------------------------------------------------------------------------------------------------------- | -------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Financial spreading** | Extracts financial documents into line items and classifies them into standard statements | All | [Step 1: Document extraction](broken://pages/pGn9CKIkig7T0UKqTwth), [Step 2: Financial review](broken://pages/kkYXTbfCczAyWBTPNVfY), [Aggregate and layout](broken://pages/sprlkMl91v93tIXxnUUB) | | **Underwriting analysis** | Calculates EBITDA, adjustments, and ratios, then projects them and runs stress scenarios | All | [Step 3: Underwriting review](broken://pages/az5D95qyqSzandu4NZWB), [Step 4: Projections and stress review](broken://pages/z1xvlQbxTj4tloUkQkZw) | | **Property underwriting** | Underwrites rent rolls, property cash flow, and collateral performance for real estate deals | All | [Property review](broken://pages/SEvjYdsq5LTqu5zXuO0j) | | **Global and guarantor analysis** | Aggregates cash flow and debt service coverage across entities, and reviews guarantors' personal financials | All | [Global review](broken://pages/6YvEtppOKKDfoyvhlevj), [Personal financial review](broken://pages/ifakQTR4pIj94o2FThbI) | | **Risk rating** | Scores a deal against the risk rating model its product attaches | Commercial LOS | [Risk rating](broken://pages/TMpLigaCHggVmOaohQKa) | | **Credit policies** | Tests each deal against the underwriting policies configured on its product | All | [Credit policies](broken://pages/PZJjZoHJgdFcJrg9AoOE) | | **Credit memo** | Assembles the approval document from deal and underwriting data | All | [Credit memorandum](broken://pages/ZUFSQDiPM4ZEzh3CxukR), [Greenlight memo](broken://pages/xRzhPZioBQhVFDLtpUUc) | | **Loan structuring** | Calculates amortization schedules and as-of-date balances | All | [Payment calculator](broken://pages/m0Sa7KsYdGhT5prDc0nW) | | {% endtab %} | | | | {% tab title="Close and monitor" %} | Capability | What it does | Applies to | Documented in | | --------------------------------- | -------------------------------------------------------------------------------------------------------------------- | ---------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Generated documents** | Generates, edits, and exports the letter of interest, preflight memo, closure document, and template-based documents | All | [Generated documents](broken://pages/dH83XAkJTRLqY8aKc1zB) | | **Stage control** | Moves an application through its stages and records why it was declined or withdrawn | All | [Stages](broken://pages/oK2QimtrsRhnI7HeQxK9), [Dispositions](broken://pages/WI6lxGgPoedKBzRT29Yb) | | **Core banking handoff** | Maps a loan product to the core banking provider's products so approved deals book correctly | All | [Core banking](broken://pages/P03VtBTIeAThvA90dSZu) | | **Covenant monitoring** | Tracks covenant status, exceptions, due dates, and ticklers across entities | All | [Covenant dashboard](broken://pages/ExVPio48FQTH6aqK84f0), [Covenant consolidation](broken://pages/TkTZ1HJULgyMOS9qRL9c), [Entity covenant overview](broken://pages/hhzWjESkcxI9iDvygzRR) | | **Compliance and credit reviews** | Reviews an entity's covenant documents and financials, and completes periodic credit reviews on loan accounts | All | [Compliance review](broken://pages/LmYbYYNMbEINMlIPtUtF), [Credit review](broken://pages/Qa3mJihB8i8Ri5GSVFmj) | | **Covenant migration** | Imports existing covenants from a spreadsheet in validated batches | All | [Legacy covenant migration](broken://pages/oTA9HELXASQ5XWUnVT9C) | | {% endtab %} | | | | {% tab title="Configure and administer" %} | Capability | What it does | Applies to | Documented in | | --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Loan products** | Defines each product's intake, stages, checklist, policies, disclosures, templates, and memo | All | [Loan products](broken://pages/pJ5bqSjgNGLZa9TGDavT), [Product configuration tabs](broken://pages/9UHHaxFXZq81mJl8Vpk9) | | **Credit models** | Maintains risk rating models, spreading and covenant configurations, and valuation reference data | All | [Risk rating models](broken://pages/hocCDuBVb4FOBWD7Fy2E), [Spreading and covenants](broken://pages/uTsfeTSS3oQog0SbZ41h), [Valuation data](broken://pages/e5de99a23e41bdec659e487993975e91af229f9a) | | **Organization and access** | Manages companies, users, teams, roles, and permission scopes | All | [Organization and access](broken://pages/OIXKxb4VzHBffQrPxHnI), [Roles and permissions](broken://pages/yaliiYSba8n5xC7fJa4n), [Platform roles](broken://pages/r5uE5bCflMGhVBJdqmu7) | | **Feature switches** | Turns organization-wide capabilities on and connects sources such as the document source for packet ingestion | All | [Features](broken://pages/46ffe76e7c2eb5ed80a19fe1885e3281337bb53f) | | **Borrower experience** | Sets branding, wording, public intake settings, and notification emails | All | [Branding and experience](broken://pages/6NTItW4eK4ZTryPagbc9), [Email templates](broken://pages/8e4df4dd0cba1a3da13e34cb2d8c0706bd607358) | | **Reference catalogs** | Maintains document types, their AI extractor mappings, and the legal entity type lists | All | [Document types](broken://pages/3581e103a034bbc6a89bed87cb15615aba3e3cbd), [Legal entity types](broken://pages/k6xwZadQrMvSgV0zxMQP) | | **Integrations** | Issues API keys, configures single sign-on, and authorizes MCP connectors | All | [API keys](broken://pages/4jakOFpJKt3GcngUFLGr), [Auth providers](broken://pages/mUT7jK562tdGefcpPqUa), [MCP connector authorization](broken://pages/SyeOla3EeZ98iSzHZKnX) | | **Audit and reporting** | Records user activity and audit trails, runs portfolio reports (by month, by company, by stage, stage conversion, and closed applications), and exports data | All | [Audit and reporting](broken://pages/XR40U4otI8syhjcqnha6) | | {% endtab %} | | | | | {% endtabs %} | | | | ## AI agents AI agents do the repetitive work, and people make the decisions. Four superagents cover the major stretches of the lifecycle: intake and validation, underwriting, CRE underwriting, and continuous monitoring after closing. They are the heart of the platform and have their own section.
AI agentsWhat each agent does, how work is reviewed, and how agents are configured.AI agents
## Roles What you see depends on your role. Bank roles are scoped to the whole tenant, one company, or the deals assigned to you; brokers see only the deals shared with them. | Role | Scope | Main work | | ------------------------ | --------------------------- | ----------------------------------------------------------------------------------------------------------------- | | **Tenant Admin** | Every company | Platform configuration, company administration, reporting, and data catalogs | | **Customer Admin** | Every company | Company users, access, product configuration, and borrower experiences | | **Configurator** | One company | Products, users, teams, branding, and risk rating models | | **Loan Officer** | Assigned lending work | Applications, underwriting, credit memos, and post-close monitoring | | **Credit Analyst** | Assigned lending work | The stages the product assigns to the role. See [Loan stages](/commercial-lending/getting-started/loan-stages.md) | | **Relationship Manager** | Assigned lending work | Borrower relationships, deal status, documents, and covenant compliance | | **Broker** | Shared partner-portal deals | Applications, customer details, supporting documents, and deal handoff | Bank staff and partners sign in to different portals. See [Portals and roles](/commercial-lending/getting-started/portals-and-roles.md) for which portal each role uses, and [Role guides](/commercial-lending/getting-started/role-guides.md) for a reading order per role. ## Financial data flow {% stepper %} {% step %} ### Documents Files arrive through intake, upload, or packet ingestion, and the classification agent sorts them by type and entity. See [Documents](broken://pages/XsuD4CRhLme4qZzQ79gw). {% endstep %} {% step %} ### Extraction The extraction agent turns financial documents into structured line items. See [Step 1: Document extraction](broken://pages/pGn9CKIkig7T0UKqTwth). {% endstep %} {% step %} ### Spreading Line items are classified onto the chart of accounts to build standard statements. See [Step 2: Financial review](broken://pages/kkYXTbfCczAyWBTPNVfY). {% endstep %} {% step %} ### Ratios, projections, and the decision EBITDA, ratios, projections, and stress results feed the risk rating and the credit memo. See [Step 3: Underwriting review](broken://pages/az5D95qyqSzandu4NZWB). {% endstep %} {% step %} ### Covenants After closing, covenants are tracked against the borrower's ongoing financials, using the company's covenant configuration. See [Post-close monitoring](broken://pages/hejMRBtfQTFqqMCJeqTO). {% endstep %} {% endstepper %} ## Related
Platform featuresThe standout features and the portals that offer them.Platform features
Portals and rolesWhich portal each role signs in to, and what it sees.Portals
Loan stagesThe stages a deal moves through, by product.Loan stages
GlossaryAcronyms, UI terms, and domain concepts.Glossary
Role guidesThe pages for your role, in reading order.Roles
FI StaffEvery lending screen, by stage of the deal.Broken link
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Maintained by Abhishek Paul
AI-assisted, human-approved

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