UnderwriteAI turns a borrower's raw documents into verified financials, lender-ready proformas, and a complete bank package. Work that took weeks, handled in days.
Borrowers upload through a secure portal. Documents are read, checked against the file, and cross off the checklist on their own.
Financials extract automatically into proformas, DSCR, and a global cash-flow picture, structured the way lenders expect.
One branded, bank-ready package and a live lender link, assembled from the verified file in a click.
Commercial underwriting still runs on inboxes, spreadsheets, and weeks of back-and-forth. UnderwriteAI replaces the busywork with a single verified file that flows from the borrower to the bank without the chase.
Purpose-built for commercial real estate lending, from the first document to the closing table.
Every upload is read and matched to the checklist. Mismatches get flagged, never quietly checked off, so the file you send is the file you trust.
Operating and real estate proformas generate from the market study, with rent, expenses, and DSCR that reconcile across both entities.
Global cash flow, DSCR, LTC, and rate-shock stress testing computed from the verified documents, not re-keyed by hand.
Borrowers see exactly what's needed and get instant answers from an assistant that knows their file and never oversteps.
A clean, branded submission and a read-only lender link, generated from the file so every bank sees the same complete story.
Real estate holding and operating entities are modeled the way banks underwrite them, with rent tying the two sides together.
Not a folder of PDFs. A complete, internally consistent credit file a lender can underwrite from on day one.
Three-year projections for both entities, with the operating company paying market-grounded rent and the holding entity carrying the loan, structured the way banks underwrite them.
Every guarantor's income and every entity's obligations rolled into one coverage picture, computed straight from the verified documents instead of re-keyed by hand.
Coverage recomputed at +100 and +200 basis points, so the deal's resilience is on the page before the credit committee asks.
Tax returns, financials, formation documents and licenses. Each one is read, matched to the checklist, and cross-checked against the file before it goes in.
A branded summary of the deal, plus a read-only link where the lender sees the same verified file, so every bank gets the same complete story.
Tax returns, financials, and IDs live here. Here is exactly how we protect them.
Every document travels over TLS and is stored encrypted with AES-256 on infrastructure run by AWS and Supabase. It is never written to disk in the clear.
Access is enforced with database row-level security, and every borrower link is scoped to one file and checked on each request. No borrower can reach another's data.
Portal and lender links are unique, revocable, and time-limited. Document links expire in minutes, so a shared link can't linger.
Your documents underwrite your loan and reach only the lenders you choose to pursue. We do not sell them or use them for advertising.
The AI helper can see only your own file, never another borrower's, and is built to refuse rates, decisions, or anything outside your checklist.
Runs on SOC 2-certified infrastructure (AWS, Supabase, Vercel), with key actions on every file recorded in an activity log.
The same pipeline every deal runs, from the borrower's first upload to a package a bank can act on.
Upload once, see exactly what's left, and get answers on your own time, without the endless email thread.
Owner-occupied and investment commercial real estate, modeled with the entity structure and cash-flow detail each one demands.
Development budgets, lease-up projections, and stabilized coverage for new builds, from site plan to certificate of occupancy.
Operating business plus holding entity, tied together by a market-grounded lease the appraiser and the SBA can both live with.
C-stores, fuel, quick-service and neighborhood retail, with margin structures modeled line by line, not averaged away.
Rent rolls, third-party leases, and per-square-foot market comparisons that stand up to an appraisal review.
Files structured with the documentation depth and related-party lease discipline SBA lenders expect to see.
Existing debt schedules, global obligations, and post-close coverage, presented so the takeout story is obvious.
Straight answers about who sees your file and how it is protected.
UnderwriteAI is built and operated by FASGOALS LLC, a Texas commercial loan brokerage. We built this platform because we underwrite deals ourselves. Every proforma format, checklist item, and verification step exists because a bank asked for it on a real file.
When you work with us, you work directly with the principal. The person who packages your deal is the person who answers your email.
Book a call and we'll walk through a live file, start to bank-ready.