Which documents does it handle?

Tax returns, bank statements, UCC filings, entity docs, pay stubs — extracted and cited.

Does AI make the credit decision?

No. AI assembles the cited decision memo; your team makes the call.

Is it compliant and auditable?

Every factor links to the source, with a full audit trail. SOC 2 and PCI compliant; no training on your data.

Can it use our own underwriting rubric?

Yes — it applies your rubric consistently across every file.

Can I try it on a real file?

Yes — upload a loan package, or book a 15-minute walkthrough.

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.

Book a 15-minute walkthrough Try it with your own docs

SOC 2 CompliantPCI CompliantNo training on your dataOnshore

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.