Loan underwriting document intelligence
Extract rent rolls, financials, and appraisal data from submission packages directly into your underwriting model, cutting the manual data entry that precedes every term sheet.
Industries
AI systems for real estate finance
We build production AI for real estate lenders and fund managers: underwriting document intelligence, covenant monitoring, and portfolio reporting that runs against your loan and asset management systems, with underwriters and asset managers making the final call.
Where this fits
Real estate lending and fund management run on documents that do not talk to each other: rent rolls in one format, appraisal reports in another, loan covenants buried in a PDF, and a portfolio spreadsheet stitched together by hand every quarter. Underwriters re-key rent-roll data before they can model a deal; asset managers track covenant compliance across dozens of loans manually; portfolio reporting takes days to assemble because the source data lives in five different systems.
We build systems that extract and reconcile that data automatically, so underwriters and asset managers start from structured numbers instead of a stack of PDFs. Rent-roll and lease abstraction pulls tenancy data straight into your underwriting model; covenant monitoring tracks compliance across the portfolio and flags breaches before they become surprises; portfolio reporting assembles investor and regulatory reports directly from loan and asset data with full lineage. Everything runs against your loan origination and asset management systems, on your infrastructure, with underwriting and asset-management decisions staying with your team.
Named solutions
What we build for Real Estate Finance
02
Covenant monitoring automation
Track financial and reporting covenants across the loan portfolio automatically, flagging approaching or actual breaches before they surface in a manual quarterly review.
03
Rent-roll data extraction
Parse rent rolls in any format into structured tenancy data, including unit, tenant, term, and rate, ready for underwriting or asset management systems without manual re-entry.
04
Valuation report summarisation
Summarise appraisal and valuation reports into the key figures and assumptions underwriters need, flagging assumptions that diverge from portfolio norms.
05
Portfolio stress-testing pipelines
Run interest-rate and vacancy stress scenarios across the loan or asset portfolio automatically, refreshed against current data rather than rebuilt manually each quarter.
06
Lease abstraction
Abstract key lease terms, including rent steps, break options, and renewal terms, from full lease documents into structured records for underwriting and asset management use.
07
Borrower correspondence drafting
Draft covenant notices, waiver requests, and borrower correspondence from loan and covenant data, for an asset manager to review and send.
08
Portfolio & regulatory reporting automation
Assemble investor and AIFMD-aligned regulatory reports directly from loan and asset data, with every figure traceable to its source record.
09
Due-diligence data room Q&A
Let deal teams query due-diligence data rooms in plain language during acquisition or refinancing, with answers grounded in the actual documents provided.
How we work
Our delivery process
- 01
Discovery & data audit
We map your loan origination, asset management, and reporting systems and the document formats your deal flow actually produces.
- 02
Compliance-aware integration
We connect to loan, asset management, and reporting systems under your access controls, with document extraction fully logged.
- 03
Model build & validation
We build extraction and monitoring models and validate them against your historical deals and covenant data.
- 04
Deployment with sign-off gates
Systems ship on your infrastructure with a mandatory underwriter or asset-manager review step before any output is acted on.
- 05
Monitoring & retraining
We monitor extraction accuracy across new document formats and retrain as your portfolio and lending products evolve.
Compliance
Built for the real estate finance compliance stack
Systems we deploy for real estate lenders and fund managers are designed around AIFMD reporting requirements for real estate funds, EU AI Act provisions relevant to AI-assisted lending decisions, DORA operational-resilience requirements where the lender is a regulated financial entity, and GDPR handling of borrower and tenant data. Every automated covenant flag or extraction is logged with its source document, and underwriting terms, waivers, and valuation conclusions remain decisions your team makes, supported by the system rather than made by it.
Frequently asked questions
Does this set loan terms or make lending decisions?
No. It extracts data and flags covenant or valuation exceptions; underwriters and credit committees still set terms and make lending decisions. The system removes the manual data assembly that precedes those decisions.
Can it handle the range of document formats our submissions actually arrive in?
Yes. Rent rolls and appraisal reports arrive in inconsistent formats across sponsors, and we build extraction models tuned to that variability rather than assuming a single template.
How does covenant monitoring integrate with our existing loan servicing system?
We connect directly to your loan servicing and asset management systems rather than asking you to maintain covenant data in a separate spreadsheet or tool.
Can this support both debt and equity real estate strategies?
Yes. The underlying extraction and monitoring systems apply to both lending and equity fund structures; we scope the specific solutions to the strategies your portfolio actually runs.
Related services
Pair this with
Talk to us about Real Estate Finance
A 30-minute call to scope what a first system would look like against your own data and systems.
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