Cut approval cycles from 60 days to 14.
Standardize broker submissions, accelerate credit analyst throughput and keep borrowers from drifting to fintech lenders.
| Line | FY2023 | FY2024 | FY2025 | TTM Aug 26 | YoY |
|---|---|---|---|---|---|
| Gross receipts 1120-S · L1a | $4,212,400 | $4,640,800 | $4,911,300 | $5,062,900 | +5.8% |
| Gross profit 1120-S · L3 | $1,390,100 | $1,523,200 | $1,604,100 | $1,670,800 | +5.3% |
| Officer compensation 1125-E | $240,000 | $255,000 | $265,000 | $265,000 | +3.9% |
| Depreciation 4562 · L22 | $74,200 | $88,600 | $92,300 | $92,300 | +4.2% |
| Legal and professional 1120-S · L19 | $22,400 | $84,000 | $24,800 | $25,100 | -70.5% |
| Net income 1120-S · L21 | $190,300 | $190,600 | $292,800 | $343,800 | +53.6% |
Backlogged queues push borrowers toward fintech lenders that answer in days.
Raw PDFs, mismatched spreads and missing forms mean analysts rebuild every file from scratch.
Loan officers spread returns themselves, and underwriting quality varies by officer.
Consistent submissions are the fastest path to a 14-day decision.
Commercial lending departments under $250M in assets and Certified Development Companies
What changes
- 1SubmissionBrokers and loan officers submit through the bank's LoanPacket intake.
- 2Auto-spreadReturns extracted into the bank's chart of accounts.
- 3Credit reviewAnalyst annotates, runs sensitivity and finalizes the memo.
- 4DecisionCommittee receives a consistent packet; decision logged.
Standardized intake
Brokers submit through LoanPacket, so every file arrives spread, reconciled and in your template.
Analyst throughput
Analysts review exceptions and write commentary instead of transcribing returns.
SOP compliance by default
Affiliation, equity injection, credit elsewhere and global cash flow rules enforced before the file reaches credit.
Institutional controls
SSO, role-based access, audit export and a SOC 2 Type II report for your vendor management program.
Questions from community banks & cdcs
High-Volume plans include REST API and webhook access, and we maintain export templates for common loan origination systems.
US-based cloud infrastructure with AES-256 encryption at rest. India data residency is available for offshore processing teams.
Package your next loan in 15 minutes instead of 3 weeks.
Upload a set of sample tax returns and generate a complete, lender-ready credit memo on your first day.