Borrower submits financials. Your AI agent classifies, analyzes, and spreads them automatically. Your loan officer reviews an AI-generated narrative — not a stack of printouts. Replace Moody's CreditLens, Abrigo, and nCino spreading at a fraction of the cost.
Your commercial lenders spend hours manually keying borrower financials into spreading tools that haven't changed since 2005. The incumbents know it. They charge accordingly.
Per borrower. Manual data entry from tax returns, financial statements, and schedules into legacy spreading templates.
Annual licensing for Moody's CreditLens, Abrigo Sageworks, or nCino spreading modules. Plus implementation fees.
Manual transcription from PDF to spreadsheet. Typos, misclassifications, and missing line items compound into bad credit decisions.
Tax returns, financial statements, bank statements — uploaded or received via your existing workflow.
Desktop agent or API ingests the files. AI classifies accounts, builds financial statements, computes ratios.
Variance analysis, trend forecasting, and an AI-generated credit narrative highlighting key risks and strengths.
Your loan officer reviews the spread, narrative, and ratios. Approves, adjusts, or requests more info. Minutes, not hours.
Sheer Financial deploys as a white-label solution under your bank's brand. Your lenders see your logo, your colors, your workflows. We power the intelligence behind the curtain.
Desktop agent runs inside your network. No borrower data leaves your infrastructure.
Every classification, every ratio, every AI decision logged and auditable. Built for regulated environments.
Admin, Controller, Analyst, Viewer roles. Org-scoped data isolation. Your compliance team will sleep better.
Community banks get commercial lending intelligence and mortgage operations from one platform. Same AI engine. Same design system. Same deployment model.
Commercial lending — financial spreading, borrower analysis, credit narratives
Mortgage lending — loan origination, document intelligence, compliance automation
See how Sheer Financial transforms commercial lending analysis for your institution.
Questions? Reach us at [email protected]