LOAN UNDERWRITING → AI
Underwrite a loan file in minutes. With a citation for every decision factor.
Tax returns, bank statements, UCC filings, entity docs — your analysts shouldn't be re-keying them, and you shouldn't be paying an offshore desk per idle FTE to underwrite slower. Kolena's AI ingests the file, applies your rubric, and drafts a decision memo with a citation for every factor. Onshore, audit-ready.
Trusted by Industry Leaders
Turn-time is a competitive disadvantage when files sit in an offshore queue
Every day a file waits in an offshore queue is a day a borrower waits on a decision — and per-idle-FTE billing means you pay for the wait. Kolena's AI reviews the file onshore in minutes, applies your underwriting rubric, and drafts a decision memo with a citation for every factor.
Cost
No per-idle-FTE billing, no offshore wage inflation.
Accuracy
Every decision factor cited to the source document; full audit trail.
The shift is already happening.
AI is predominantly replacing outsourced, offshore workers — not cutting internal staff.
$3.3B
Capgemini acquired WNS in July 2025 to convert a 65,000-person BPO workforce to AI-led delivery.
67%
Of enterprises plan to replace human-led services with AI within three years.
$9.1B → $15.1B
The document-outsourcing market, 2026→2036. This is the spend AI displaces.
Loan file in, cited decision memo out — with AI.
AI assembles the cited memo. Your team owns the credit decision
Ingest
Tax returns, bank statements, UCC filings, entity docs.
Apply your rubric
Your underwriting criteria, run consistently.
Cross-reference & cite
Every factor linked to the source document
Draft the decision memo
Assembled, cited, ready for review.
Push
Structured output into your loan system.
See it run on a real document
Watch how our platform transforms document workflows.
OFFSHORE VS KOLENA
The same loan-document review — without the queue, the wage inflation, or the missing audit trail.
OFFSHORE LOAN-PROCESSING DESK
- 5 days; slower at volume
- Per-FTE / per-file; idle-seat billing
- Manual review, no citation trail
- Inconsistent across reviewers
- Borrower data leaves your control
- Reconstructed manually
KOLENA AI
- Same-day / minutes
- Software cost
- Cited memo, every factor sourced
- Your rubric, applied consistently
- Onshore · SOC 2 · PCI · no training
- Built in; every factor auditable
"“96% less document-review labor. 5-day → same-day funding.”"
a private-lending customer, after replacing offshore document review with Kolena AI.
Security & Compliance
Your data, your insights — never black-boxed. Kolena is built to support enterprise security and compliance needs: reasoning logs, audit trails, encryption, and governance architecture.
PCI, SOC 2, and HIPAA Compliant
No training on customer data
Complete audit trail and traceability
Encrypted in transit and at rest
Enterprise-grade security: RBAC, ZDR, rigorous access control
Frequently Asked Questions
See the underwriting demo.
Bring underwriting document review onshore — faster, cited, and auditable. With AI.