# Kolena

> Kolena builds AI agents for document-heavy enterprise workflows across real estate, insurance, banking, and financial services — extracting, reviewing, and citing information from contracts, policies, appraisals, loan files, and leases so teams review outputs instead of source documents.

## Agent library

- [Appraisal Review](https://www.kolena.com/agent-library/appraisal-review/): Run every appraisal through a productized USPAP review and classify it Accept, Accept-with-conditions, or Reject, with each finding cited to the report.
- [Auto Insurance Loss and Policy Analysis](https://www.kolena.com/agent-library/auto-insurance-loss-policy-analysis/): Turn a fleet auto submission - declarations, vehicle and driver schedules, and multi-carrier loss runs - into one cited view with frequency, severity, and loss ratio per power unit, and hand the underwriter a renewal re…
- [CAM Reconciliation](https://www.kolena.com/agent-library/cam-reconciliation/): Reconcile a landlord's CAM statement against the lease and catch every over- or under-billing, with each finding cited to the controlling clause.
- [Capital Call Processing](https://www.kolena.com/agent-library/capital-call-processing/): Process capital call notices from every GP into structured, validated fund-tracker entries - automatically.
- [Change-in-Terms & Cardholder-Agreement Review](https://www.kolena.com/agent-library/change-in-terms-review/): Test a credit card change-in-terms notice against Regulation Z: every changed term summarized, the 45-day advance-notice window and right-to-reject verified, penalty rate increases justified and reevaluation-eligible, a…
- [Claims Intake (FNOL)](https://www.kolena.com/agent-library/claims-intake/): Turn a first notice of loss into a clean, triaged claim - parties and coverage verified, loss facts captured, severity and completeness scored, fraud indicators screened, a preliminary reserve basis set, and a routing r…
- [Clinical / Efficacy Study Data Extraction](https://www.kolena.com/agent-library/clinical-efficacy-study-extraction/): Turn a personal-care efficacy study report into a clean, cited read-out - design, endpoints, statistics vs baseline and between treatments, and whether each claim is substantiated.
- [Commercial Equipment-Finance Underwriting](https://www.kolena.com/agent-library/equipment-finance-underwriting/): Turn a commercial equipment-finance credit package into a cited underwriting analysis - applicant, collateral, DSCR, structural checks, and a tiered recommendation.
- [Compliance Testing — Periodic Statement Disclosure](https://www.kolena.com/agent-library/compliance-testing/): Test a credit card periodic statement against Regulation Z (12 CFR 1026.7): every required disclosure present, and the balance, interest, and minimum-payment math footed and cited.
- [Construction Budget / Affordable-Housing Loan Committee Review](https://www.kolena.com/agent-library/construction-budget-loan-committee/): Prepare an affordable-housing construction loan for committee - the GC budget normalized by CSI Division, the full sources-and-uses capital stack with its LIHTC and subsidy layers, cost-per-unit, DSCR, LTC and LTV recom…
- [Consumer Complaint Analysis](https://www.kolena.com/agent-library/consumer-complaint-analysis/): Triage a consumer personal-care product complaint into a clean, cited record - category, product and batch, adverse-event and seriousness assessment, a MoCRA / EU cosmetovigilance reportability screen, root-cause signal…
- [Consumer Interview & Qualitative Study Analysis](https://www.kolena.com/agent-library/consumer-interview-analysis/): Turn a consumer interview or focus-group transcript into coded themes, sentiment, likes and dislikes, unmet needs, purchase intent, and cited insights - with a verbatim quote on every finding.
- [CRE Market Research](https://www.kolena.com/agent-library/cre-market-research/): Turn a pile of market reports, broker commentary, and news into a normalized, cited, filterable research database - one row per document, with every figure cross-checked against current public benchmarks.
- [CRE Proposal & CRM Enrichment](https://www.kolena.com/agent-library/cre-proposal-crm-enrichment/): Enrich a prospect or owner CRM record - true entity, decision-makers, verified contacts, holdings, and deal history - then recommend, draft, and track the right outbound proposal, all cited.
- [Deal Underwriting](https://www.kolena.com/agent-library/deal-underwriting/): Consolidate a broker OM, the T-12 and rent roll, the Argus/underwriting export, and market data into one cited underwrite with a full return model and a go / no-go call.
- [Debt and Mortgage Abstraction](https://www.kolena.com/agent-library/debt-mortgage-abstraction/): Turn a full commercial real estate loan file into a clean, cited debt abstract in minutes.
- [Disputes / Complaints Management](https://www.kolena.com/agent-library/disputes-management/): First-pass review of a consumer dispute or complaint - code the reason, pin the governing regime (Reg E, Reg Z, or FCRA), test the response and provisional-credit deadlines, weigh the evidence, and recommend a dispositi…
- [Document Translation with Audit Review](https://www.kolena.com/agent-library/document-translation-audit/): Translate a full business, legal, or real-estate document into your target language and audit it in one pass - blind back-translation, terminology-consistency, numeric/date/entity fidelity, and completeness checks, with…
- [DSCR Loan Underwriting / QC](https://www.kolena.com/agent-library/dscr-loan-underwriting/): Underwrite and QC a business-purpose DSCR rental loan - DSCR, LTV, and reserves recomputed and graded against program and investor overlays, every value cited.
- [Energy-Efficiency Project Funding Request Review](https://www.kolena.com/agent-library/energy-funding-request/): Turn a commercial energy-efficiency project funding request into a cited analysis - measures and projected savings, cost and incentives, financing terms, a recomputed savings-to-payment coverage ratio and payback, and a…
- [ERM Controls & Metric Review](https://www.kolena.com/agent-library/erm-controls-metric-review/): Evaluate risk controls for design AND operating effectiveness, map them to the risk register, review KRIs and KPIs against appetite thresholds, and produce a severity-ranked findings register - with a citation on every…
- [Family Law Child-Support Document Processing](https://www.kolena.com/agent-library/family-law-child-support/): Turn a child-support file - petition, financial affidavits, and income documentation - into a cited income-shares guideline calculation, order terms, and a completeness check, without extracting personal identifiers.
- [Flood Insurance Compliance Checklist](https://www.kolena.com/agent-library/flood-insurance-compliance/): Run every loan file through the federal flood-insurance checklist - SFHDF and flood zone, mandatory-purchase trigger, coverage adequacy, borrower notice, escrow, and force placement - with a pass/fail per requirement an…
- [Fund Administration Cash Reconciliation](https://www.kolena.com/agent-library/fund-admin-cash-reconciliation/): Reconcile a fund's bank or custodian statement to the general ledger, match every transaction to its booked entry and expected cash event, and flag every break with its NAV impact.
- [Fund Analysis](https://www.kolena.com/agent-library/fund-analysis-psa-extraction/): Turn a private-markets fund's quarterly reporting package into a clean, cited LP monitoring model - terms, performance, capital account, investments, cash flows, and reconciliation checks.
- [HMDA Review — Loan Application Data Extraction](https://www.kolena.com/agent-library/hmda-review/): Turn a residential loan application file into the full, cited HMDA LAR field set - including the Section 8 demographics read by vision-based checkbox detection - with reportability, action-taken, and FFIEC-style edit ch…
- [IC Memo](https://www.kolena.com/agent-library/ic-memo/): Read the deal package and draft the investment-committee memo - sections, computed return metrics, cited evidence, and a recommendation.
- [Insurance Claim vs. Rehab Budget Reconciliation](https://www.kolena.com/agent-library/claim-rehab-budget-reconciliation/): Reconcile an insurance loss estimate against the rehab draw budget so the same repair is never funded twice - once by the loan draw and once by the insurance proceeds.
- [Insurance Renewal / Risk Assessment](https://www.kolena.com/agent-library/insurance-renewal-risk-assessment/): Read a commercial-lines renewal submission - ACORD apps, expiring policy, loss runs, and the underwriting file - and hand the underwriter a cited exposure, loss-ratio, rate-adequacy, and risk-factor assessment with a re…
- [Lease Abstraction](https://www.kolena.com/agent-library/lease-abstraction/): Turn a full lease PDF into a clean, cited abstract in minutes.
- [Lease Redline and PSA Key-Date Extraction](https://www.kolena.com/agent-library/lease-redline-psa-key-dates/): Turn a purchase and sale agreement or lease draft into a cited critical-date calendar with computed deadlines, plus a redline and deviation review, in minutes.
- [Legal Issues Memo](https://www.kolena.com/agent-library/legal-issues-memo/): Turn a borrower's consent request on a securitized or agency CRE loan into a cited preliminary legal issues memo - matter spine, working parties, key issues, REMIC analysis, approvals, and a recommendation.
- [LIHTC / HUD Tenant File Review](https://www.kolena.com/agent-library/lihtc-hud-file-review/): Review an affordable-housing tenant certification file end to end - completeness, income and rent eligibility, income and asset calculation, the student rule, and form validity - with every exception severity-ranked and…
- [LLM Output-Quality Evaluation](https://www.kolena.com/agent-library/llm-output-quality-eval/): Independently score an AI/LLM output for accuracy, groundedness, completeness, compliance, and safety - with a rationale and cited evidence on every criterion and a pass/fail verdict.
- [Loan Agreement Review](https://www.kolena.com/agent-library/loan-agreement-review/): Turn a 300-500 page credit facility agreement into a clean, cited abstract of terms, covenants, and structural risk in minutes.
- [Loan Boarding](https://www.kolena.com/agent-library/loan-boarding/): Turn a closed loan package into the servicing-system boarding field set, every value cited to the note.
- [Loan Second-Review](https://www.kolena.com/agent-library/loan-second-review/): Independently re-verify a decisioned loan against its source documents - conditions cleared, data integrity, disclosures, income/asset/collateral - and return a severity-tiered exception log with a clear-to-fund disposi…
- [Loss Run Analysis](https://www.kolena.com/agent-library/loss-run-analysis/): Normalize loss runs from any carrier and format into one cited claims view, surface large and unusual losses, and hand the underwriter a decision-ready summary in minutes.
- [Multifamily Acquisition Underwriting (IRR)](https://www.kolena.com/agent-library/residential-acquisition-underwriting/): Turn a multifamily deal package into a cited underwriting with a full return model - IRR, equity multiple, cash-on-cash, yield-on-cost, DSCR - and a Pursue/Pass call.
- [Multifamily Capital-Investment Capture](https://www.kolena.com/agent-library/multifamily-capital-investment-capture/): Turn an engineering property-condition or reserve study into a clean, validated capital plan - every component, its useful life, and its immediate vs. Year 1-10 cost.
- [Offering Memorandum Analysis](https://www.kolena.com/agent-library/offering-memorandum-analysis/): Turn a broker's offering memorandum - single asset or portfolio - into a clean, queryable deal record, with the headline numbers recomputed and the aggressive assumptions flagged.
- [PayApp Review](https://www.kolena.com/agent-library/payapp-review/): Catch every construction pay-application error before the check goes out - the G702/G703 math, retainage, change orders, stored materials, signatures, and lien waivers.
- [Product Claims & Concept Development](https://www.kolena.com/agent-library/product-claims-concept-development/): Pressure-test a consumer / personal-care product concept and its marketing claims: break the concept into insight, benefit, reason-to-believe, and positioning; inventory every express and implied claim; link each to a s…
- [Quarterly Budget Variance](https://www.kolena.com/agent-library/quarterly-budget-variance/): Turn a property's quarterly budget-comparison export into a cited budget-versus-actual variance report and drafted investor-letter commentary.
- [Regulatory Obligation-to-Control Mapping](https://www.kolena.com/agent-library/reg-control-mapping/): Parse a regulation, exam manual, or guidance into discrete obligations and map each to an owned internal control - with control type, coverage status, gaps, UDAAP flags, and a citation on every line.
- [Rent Roll Analysis](https://www.kolena.com/agent-library/rent-roll-analysis/): Build clean, normalized rent rolls and unit-mix, occupancy, and loss-to-lease analytics from messy source files across any PMS.
- [Rent Roll Transposition](https://www.kolena.com/agent-library/rent-roll-transposition/): Reshape a messy commercial rent roll in any format into one clean, standardized layout ready for any lender template.
- [Residential-Mortgage TPR Segment Extraction](https://www.kolena.com/agent-library/residential-mortgage-tpr/): Pull the Note, Security Instrument, and ARM review-segment data from a residential-mortgage loan file, reconcile it against the loan data tape, and return a graded exception log with an overall A-D segment grade for RMB…
- [Sales Call & Voicemail Analysis](https://www.kolena.com/agent-library/sales-call-voicemail-analysis/): Turn a sales call or voicemail transcript into CRM-ready deal signals, objections, next steps, and a clean disposition - with a verbatim quote on every finding.
- [Self-Storage Property Extraction](https://www.kolena.com/agent-library/self-storage-property-extraction/): Turn one self-storage facility's owner financials and rent roll into a paste-ready, chart-of-accounts-mapped P&L and a unit-mix rent roll with occupancy, rate, RevPAF, and ancillary-income analytics, reconciled to the s…
- [Skin-Image Measurement (Vision)](https://www.kolena.com/agent-library/skin-image-measurement/): Turn a personal-care study's standardized skin photographs into clean, cited per-image measurements and change vs baseline - wrinkles, spots, pores, redness, texture, radiance, or perceived age - with a capture-quality…
- [Subscription Document Processing and Investor Onboarding](https://www.kolena.com/agent-library/subscription-doc-fund-operations/): Turn every LP subscription agreement into a structured, validated investor file - eligibility, tax, KYC, and completeness checked.
- [T-12 Extraction](https://www.kolena.com/agent-library/t12-extraction/): Pull twelve months of trailing financials into a clean, cited NOI spread that is comparable across properties.
- [Tenant Insurance Certificate Review](https://www.kolena.com/agent-library/insurance-certificate-review/): Abstract a commercial lease's insurance requirements and the tenant's certificate of insurance, then verify every coverage, limit, additional insured, and waiver of subrogation against the lease - with a per-requirement…
- [Third-Party Process Compliance Review](https://www.kolena.com/agent-library/third-party-process-compliance/): Review a vendor's process documents, SOPs, and scripts for a consumer-facing activity against your business process and consumer financial services law - process-alignment, control coverage, UDAAP, and regulatory exposu…
- [TRID Compliance Check — Loan Estimate to Closing Disclosure Reconciliation](https://www.kolena.com/agent-library/trid-compliance-check/): Reconcile a residential mortgage closing package for TRID compliance - every fee checked against its good-faith tolerance bucket, the LE and CD timing windows tested, APR accuracy screened, and any borrower cure compute…
- [UCC Analysis](https://www.kolena.com/agent-library/ucc-analysis/): Extract equipment collateral from a lease or loan bundle and prep a clean, cited UCC-1 filing in minutes, not hours.
- [Underwriting Pre-Screen](https://www.kolena.com/agent-library/underwriting-pre-screen/): Before an underwriter touches a deal, confirm it is complete, clears the lender's eligibility box, and is worth their time - then route it to underwriting, decline, or request-info.
- [Utility Bill Extraction (AP)](https://www.kolena.com/agent-library/utility-bill-extraction/): Turn any utility bill - electric, gas, water, sewer, stormwater, or trash - into a clean, cited, footed AP record: usage recomputed from the meter reads, charges reconciled to the total, duplicates screened, master-mete…
- [Vendor Due-Diligence Questionnaire Review](https://www.kolena.com/agent-library/vendor-due-diligence/): Turn a completed vendor due-diligence questionnaire and its evidence into a control-area coverage checklist, a gap log, and an overall risk rating - framed on the 2023 Interagency Third-Party Risk Management guidance, e…
- [Vendor Invoice Processing](https://www.kolena.com/agent-library/vendor-invoice-processing/): Turn any vendor invoice into a clean, coded, and validated AP record - header and line items extracted, cost allocated across properties, arithmetic footed, terms and tax reviewed, duplicates and PO match flagged, and a…

## Resources and insights

- [Can ChatGPT Handle AI Lease Abstraction at Portfolio Scale?](https://www.kolena.com/blog/chatgpt-for-lease-abstraction/): ChatGPT can abstract a single lease well. AI lease abstraction across a portfolio needs consistent formatting, citations, and an audit trail it alone lacks.
- [Is ChatGPT Enough for AI Loan Underwriting Document Review?](https://www.kolena.com/blog/chatgpt-for-loan-underwriting/): ChatGPT can read a single loan file well. AI loan underwriting at volume needs guideline versioning, citations, and re-validation ChatGPT alone doesn't handle.
- [Can ChatGPT Handle AI Loss Run Analysis Across Every Carrier Format?](https://www.kolena.com/blog/chatgpt-for-loss-run-analysis/): ChatGPT reads a single loss run well. AI loss run analysis across many carrier formats needs one enforced schema and citations ChatGPT alone doesn't provide.
- [Can ChatGPT Handle AI Lease vs. Rent Roll Reconciliation at Scale?](https://www.kolena.com/blog/chatgpt-for-rent-roll-reconciliation/): ChatGPT can compare one lease to one rent roll line well. AI rent roll reconciliation means hundreds of pairs checked consistently, not two documents.
- [AI Document Workflow Questions: ChatGPT, Custom GPTs, and When You Need a Dedicated Platform](https://www.kolena.com/blog/chatgpt-document-workflow-questions/): Direct answers to the questions buyers ask about ChatGPT, Custom GPTs, and dedicated AI platforms for lease, underwriting, and insurance document work.
- [Custom GPTs for AI Document Workflows: What They Cover and What You'd Own](https://www.kolena.com/blog/chatgpt-custom-gpts-for-document-workflows/): Custom GPTs package your methodology into a reusable configuration. AI document workflows at scale still need citations, validation, and an audit trail.
- [ChatGPT Projects for AI Document Analysis: What They Cover and What You'd Own](https://www.kolena.com/blog/chatgpt-projects-document-analysis/): ChatGPT Projects organize files and instructions around a workstream, with real file limits per plan. AI document analysis at scale needs a schema on top.
- [ChatGPT Work for AI Document Workflows: What It Automates and What You'd Still Own](https://www.kolena.com/blog/chatgpt-work-document-workflows/): ChatGPT Work creates and edits real documents and spreadsheets through multi-step tasks. Production AI document workflows still need a schema and audit trail.
- [ChatGPT, MCP, and AI Document Workflows: What Connecting Actually Gives You](https://www.kolena.com/blog/chatgpt-mcp-document-workflows/): ChatGPT's developer mode gives full MCP access to your tools and data. AI document workflows still need a schema, citations, and an audit trail on top.
- [AI Document Workflow Questions: Claude, LLMs, and When You Need a Dedicated Platform](https://www.kolena.com/blog/ai-document-workflow-questions/): Direct answers to the questions buyers actually ask about Claude, LLMs, and dedicated AI platforms for lease, underwriting, and insurance document work.
- [Claude Projects and the 1M-Token Context Window for AI Document Analysis](https://www.kolena.com/blog/claude-projects-long-context-document-analysis/): Claude Projects and its 1M-token context can read large document sets. AI document analysis at scale also needs schema, citations, and audit ownership.
- [Claude Cowork for AI Document Workflows: What It Automates and What You'd Still Own](https://www.kolena.com/blog/claude-cowork-document-workflows/): Claude Cowork runs real multi-step tasks on your files. AI document workflows at scale need a schema, citations, and an audit trail Cowork does not provide.
- [Does Connecting Claude to SharePoint Over MCP Give You an AI Document Workflow?](https://www.kolena.com/blog/claude-mcp-document-workflows/): Claude's MCP connector genuinely reads and writes SharePoint. AI document workflows still need a schema, citations, and an audit trail on top of that link.
- [Can Claude Handle AI Lease Abstraction at Portfolio Scale?](https://www.kolena.com/blog/claude-for-lease-abstraction/): Claude can abstract a single lease well. AI lease abstraction across a portfolio needs consistent formatting, citations, and an audit trail Claude alone lacks.
- [Is Claude Enough for AI Loan Underwriting Document Review?](https://www.kolena.com/blog/claude-for-loan-underwriting/): Claude can read a single loan file well. AI loan underwriting at volume needs guideline versioning, citations, and re-validation Claude alone doesn't handle.
- [Can Claude Handle AI Loss Run Analysis Across Every Carrier Format?](https://www.kolena.com/blog/claude-for-loss-run-analysis/): Claude reads a single loss run well. AI loss run analysis across fourteen carrier formats needs one enforced schema and citations Claude alone doesn't provide.
- [Can Claude Handle AI Lease vs. Rent Roll Reconciliation at Scale?](https://www.kolena.com/blog/claude-for-rent-roll-reconciliation/): Claude can compare one lease to one rent roll line well. AI rent roll reconciliation means five hundred pairs checked consistently, not two documents.
- [Building AI Document Automation on the Claude Agent SDK: What You Would Own](https://www.kolena.com/blog/claude-agent-sdk-document-automation/): The Agent SDK provides the agent loop, tools, and hooks. Your extraction schema, validation, citations, and audit trail are the application you build and own.
- [Can Claude Skills Run a Production AI Document Workflow?](https://www.kolena.com/blog/claude-skills-for-document-workflows/): Claude Skills encode your extraction logic. They do not add validation, exception routing, citations, or version history — your team owns that work.
- [Claude vs. Purpose-Built AI Automation: The Real ROI Difference for Document Workflows](https://www.kolena.com/blog/claude-vs-purpose-built-ai-automation/): The ROI difference is not accuracy. It is who owns the validation, versioning, and audit trail around the model — and what that costs at volume.