Close commercial loans faster with autonomous credit AI.
Veqorlyn AI is the unified AI platform for commercial lending. From instant document intake and automated financial spreading to committee-ready credit memos and continuous covenant monitoring — approve deals in hours instead of weeks with zero manual data entry.
Commercial credit lives across intake queues, borrower documents, spreads, structuring workspaces, committee decks and servicing systems. Veqorlyn AI pulls the whole lifecycle onto one dashboard, scores repayment risk in the open, and surfaces the covenant and approval work that still needs a banker.
app.veqorlyn.com/dashboard
Veqorlyn AI — Commercial Credit Dashboard
Faster Bid DeliveryTurn weeks of proposal drafting into hours so your team submits winning bids faster.
75%
From days to hours
Intake AccuracyCatch every key project detail, deadline, and requirement with automated AI checks.
95%
Fewer human errors
Saved Per ProjectEliminate manual data entry so your team can focus on client relationships and design.
12+ hrs
Less manual work
More Proposals WonRespond to more project opportunities and client requests without increasing your team size.
3x
Without extra hiring
Loan approvals shouldn't take weeks of manual paperwork. Make confident credit decisions with verified financials ready from day one.
One central dashboardPowers every step from initial application to final approval
The Nestack financial services suite
Built for every corner of financial services.
Financial services move differently in every field, with unique teams, workflows, documents, and decisions. Your tools should be built to work the way your industry does.
Loan intake, document review, credit analysis, structuring, approval, closing and portfolio monitoring are not seven tools stitched together — they are one continuous credit file, from the first request to the last payment.
Automate borrower intake and qualify commercial deals in minutes
Loan Intake serves as the intelligent front door for all financing requests. It automatically captures incoming loan applications from borrower portals, emails, and broker networks, screens each request against your lending criteria, and matches existing customer records so your team can advance qualified deals without manual data entry.
Omnichannel Ingestion
Automated Policy Screening
Relationship & Exposure Match
Instant Pipeline Routing
app.veqorlyn.com/document-review
Document Review — Veqorlyn AI
02 — Document Review
Extract and verify complex financial documents with zero manual data entry
Document Review turns unstructured borrower paperwork into verified, audit-ready financial data. The AI reads multi-year tax returns, financial statements, and debt schedules, extracting line items and tying every number directly back to its source page so underwriters can verify accuracy in seconds and spot discrepancies immediately.
Multi-Document Extraction
Source-Page Traceability
Discrepancy & Fraud Detection
Instant Exception Flagging
app.veqorlyn.com/credit-analysis
Credit Analysis — Veqorlyn AI
03 — Credit Analysis
Generate comprehensive financial spreads and stress-test repayment capacity
Credit Analysis automates the entire financial spreading and risk assessment workflow. It analyzes historical performance, models multi-year cash flow projections, and stress-tests DSCR and leverage across downside scenarios, giving credit officers clear risk ratings and explainable repayment insights in minutes instead of weeks.
Automated Financial Spreading
Downside Scenario Modeling
Cash Flow & DSCR Analysis
Explainable Risk Scoring
app.veqorlyn.com/loan-terms
Loan Terms — Veqorlyn AI
04 — Loan Terms
Structure compliant loan facilities with real-time policy and covenant validation
Loan Terms empowers deal teams to design loan facilities with optimal pricing and risk protection. As you adjust loan amounts, tenors, interest rates, and covenants, the AI checks terms against the bank's internal credit policy in real time, highlighting required approvals and suggesting optimal structures before committee review.
Real-Time Policy Compliance
Dynamic Facility Structuring
Covenant & Collateral Modeling
Exception Pre-Clearance
app.veqorlyn.com/credit-approval
Credit Approval — Veqorlyn AI
05 — Credit Approval
Accelerate committee sign-off with auto-generated memos and clear decision trails
Credit Approval transforms the committee process from static paper decks to an agile digital workflow. It automatically compiles comprehensive credit memos from live deal data, routes files to the designated approval authority based on loan size, and tracks conditions and voting history in one transparent, tamper-proof record.
Auto-Generated Credit Memos
Authority-Based Approval Routing
Pre-Closing Condition Tracking
Digital Audit History
app.veqorlyn.com/closing-funding
Closing & Funding — Veqorlyn AI
06 — Closing & Funding
Reconcile loan documents and release funds with dual-control disbursement checks
Closing & Funding bridges the gap between credit approval and loan booking. It reconciles approved credit terms against final legal loan documents, verifies collateral and lien perfection, and uses automated maker-checker workflows to ensure every legal condition is met before funds are disbursed.
Document Reconciliation
Condition Precedent Verification
Collateral & Lien Checks
Maker-Checker Funding Control
app.veqorlyn.com/loan-monitoring
Loan Monitoring — Veqorlyn AI
07 — Loan Monitoring
Protect portfolio health with continuous covenant surveillance and early warning alerts
Loan Monitoring provides continuous, automated surveillance across your active loan portfolio. It regularly tracks borrower financial health, recalculates covenant compliance, and flags early-warning deterioration signals months before default, allowing portfolio managers to safeguard loan assets proactively.
Continuous Covenant Tracking
AI Early-Warning Risk Signals
Borrower Financial Surveillance
Automated Annual Reviews
Traditional SaaS vs Veqorlyn AI
Don’t settle for the AI your software chose.
Most platforms ship one model and you work inside its limits. Veqorlyn AI puts an orchestration layer between the credit record and the model, so every step of an underwriting file runs on the intelligence that suits it.
1
model handles all four phases on a traditional platform. Here, each phase gets its own specialists.
Layout-aware OCR preserves cap-table grids, depreciation schedules, and footnote tables that a general language model flattens into prose.
MMistralDocument AI / OCR
02
Classify facility type, NAICS sector and borrower geography
A fine-tuned classifier evaluates fit against your bank's credit policy taxonomy at a fraction of what a frontier model costs per document set.
HFHugging FaceInference Providers
03
Read the full 900-page credit agreement in one pass
Long context holds the entire legal pack, so a negative pledge covenant on page 18 still binds the debt-service ratio defined on page 142.
GGeminiGemini API
04
Extract into core banking & nCino pipeline schema
Constrained decoding against a strict banking schema ensures credit facility records never land malformed in nCino, Fiserv, or Salesforce FSC.
AIOpenAIResponses API
05
Draft the committee credit memo & policy exceptions
Maintains structured reasoning across thousands of words and cites the exact source-page coordinate behind every sentence an underwriter questions.
AClaudeAnthropic Messages API
06
Score every financial ratio, flag covenant stress
High-speed reasoning evaluates all sensitivity runs twice and cross-verifies variances — providing mathematical audit trails committee members trust.
DSDeepSeekDeepSeek API
07
Match borrower principals to sanctions & PEP lists
Fuzzy borrower identity resolution is an audited retrieval problem, not a generative one — dense embeddings and a reranker beat a chat model outright.
CCohereRerank + Embed
08
Redact borrower PII before external routing
A sovereign open-weight model runs inside your bank's sovereign cloud enclave, ensuring nonpublic personal information is masked before external APIs see it.
LLlamaSelf-hosted in your VPC
One structured credit filePixel-anchored citations · 100% deterministic calculation · Zero manual re-keying
Note: Model and product names are trademarks of their respective owners, used here to describe what runs where. Routing is configurable per credit workflow — no endorsement or partnership is implied.
Compliance
Held to the standards your examiners are.
A commercial credit platform sits inside a regulatory perimeter, not beside it. Veqorlyn AI is built around the fair-lending, AML, privacy and audit standards that already govern commercial banks and non-bank lenders.
BSA / AML
Bank Secrecy Act / Anti-Money Laundering Program
Supports KYC, CIP, sanctions screening and suspicious-activity workflows during Loan Intake so every borrower is vetted before underwriting opens.
ECOA / Regulation B
Equal Credit Opportunity Act — Regulation B
Enforces fair-lending controls, adverse-action reasoning and non-discrimination checks across Credit Analysis and Credit Approval decisions.
Note: These are standards the platform is built to support inside your workflows — obligations that fall on you as the licensee. They are not certifications held by us, and support in the product is not a substitute for your own counsel or compliance officer.
Add-ons
Add the hardware your workflow needs.
Most of what Veqorlyn AI reads still starts in a room, on someone’s desk. These are standard enterprise peripherals, not locked proprietary hardware — we enrol them against your workspace so each one streams into the module that already handles its output.
Enterprise Document Scanner
A high-speed duplex desktop scanner on your office network that captures multi-page borrower packages, tax returns, and property deeds straight into OCR and automated loan intake.
FeedsLoan Intake & Spreading
Biometric Signature Terminal
An encrypted closing desk tablet with a pressure-sensitive stylus that captures legally binding borrower signatures and immutable timestamps on executed credit agreements.
FeedsClosing & Credit Approval
Hardware Security Key
A FIDO2 USB-C and NFC cryptographic security key that enforces physical presence verification before approving credit memos or releasing loan disbursements.
FeedsAudit Trail & Governance
Secure Client Review Display
A dual-facing conference display with integrated optical privacy filters, enabling loan officers to share sanitized facility terms with borrowers while shielding internal credit ratings.
FeedsCredit Analysis & Servicing
Note: Hardware, installation, and integration are not included in the standard subscription. Additional charges apply based on the hardware selected, integration modules required, and implementation scope.
Connectivity
Your whole stack, connected.
Salesforce, nCino, Fiserv, Moody’s, Snowflake — and the rest of what your commercial lending desk already runs on. 24 integrations across the loan lifecycle, every one reading the tool’s documented APIs.
Salesforce Financial Services Cloud, via REST / Bulk API
HubSpot CRM, via REST API
Microsoft Dynamics 365, via OData / Web API
Core Banking & Risk
nCino Commercial Banking, via Integration Hub
Moody’s CreditLens, via Risk Feeds
Plaid Assets, via REST API
Fiserv Core Banking, via Open Finance API
Data & analytics
Snowflake, via Snowflake SQL API
Google BigQuery, via BigQuery REST API
Databricks, via Databricks REST API
Note: Tool names and marks belong to their respective owners. No endorsement or partnership implied.
Pricing
One lender. One number.
No per-seat arithmetic, no module gates, no charge for the analyst who only opens the monitoring screen. The whole platform, one flat monthly figure, set from the Nestack admin.
Starting at
$200/mo
One flat monthly figure for the whole platform. Talk to us about seats, source-system connectors and onboarding for your lender.
Closing, funding validation and maker-checker controls
Portfolio monitoring with AI early-warning signals
Committee reporting and exposure-level dashboards
⚠ Note:AI API usage is charged separately. Clients must recharge their AI credit balance based on their usage.
Onboarding
What your onboarding fee covers
A one-time setup that gets your lender fully live on Veqorlyn AI before the first billing cycle — we import your existing borrower and facility records, connect the loan origination, core banking, credit-bureau and document sources your workflow already runs through, and configure the intake, document review, credit analysis, structuring, approval, closing and monitoring modules to your policy, risk appetite and committee format. Each fee below is a starting point: the final onboarding is scoped once we understand your environment, security needs, integrations, data volume, compliance requirements and deployment model.
Essential
$1,000+one-time
Kickoff call and onboarding plan scoped to your credit policy, sectors and facility types
Workspace provisioning with banker, credit officer and portfolio manager seats, roles and permissions
Import of your live loan pipeline and existing facility records
Loan-intake pipeline configured to your products, stages and geographies
Email and calendar connected for inbound request capture
Credit-memo, spreads and diligence templates set to your house format
Live-readiness check before your first billing cycle
Onboarding handbook and self-serve help for the team
Plus
Most lenders
$2,500+one-time
Everything in Essential, plus:
Guided migration of historical facilities and portfolio records, with validation
Two integrations — core banking, LOS, CRM or document management — connected and field-mapped
Credit policy and covenant library encoded, with variance and exception rules
Custom risk-rating models, DSCR/leverage/liquidity metrics and reviewer routing
Live training session for bankers, credit officers and portfolio managers, with a recording
Dedicated onboarding specialist for the rollout
Enterprise
$5,000+one-time
Everything in Plus, plus:
Tailored implementation across multiple business lines, regions or subsidiaries
Bespoke integrations and SSO across your core banking, LOS, credit-bureau and imaging systems
Bulk migration of loan history and portfolio KPIs, with cleansing and reconciliation
Role-based training tracks for origination, underwriting, credit and portfolio teams
Committee, examiner and audit reporting aligned to your policy and regulatory calendar
Named onboarding manager with a defined go-live date
Where it runs
Two ways to deploy — same platform, same subscription
Run Veqorlyn AI wherever your borrower data, credit files and closing documents are allowed to live. The subscription price is identical either way.
Cloud (SaaS)
Runs in Nestack’s managed cloud — nothing to provision. The fastest way to get your lender live and underwriting.
Private / self-hosted
The same platform deployed inside your own infrastructure — your cloud, VPC or on-prem — for lenders with strict data-residency or examiner mandates. Borrower, credit and closing data never leave your environment, and the subscription price stays the same.
Sister platform — Nestack Agent Care
Your Financial Services AI agents, run like production systems.
Telemetry, evaluations, guardrails, human review, and a crew on call when one of them starts drifting at 3am.
Pinned to the financial services agent playbook — not a generic agent checklist.
FAQs
Frequently asked questions
Clear answers on where the borrower data comes from, how much of it you have to take on trust, and what the platform does between the first request and the last payment.
Pricing starts at a flat $200 per month for the entire platform. There are no per-seat fees, no module gating, and no tier pricing based on the size of your deal flow. One flat monthly figure covers your whole lending team.
Are all modules included in the subscription?
Yes. Every subscription includes all seven core modules with zero tier limitations: Loan Intake, Document Review, Credit Analysis, Facility Structuring, Credit Approval, Closing & Funding, and Continuous Portfolio Monitoring.
What does onboarding cost and what does it include?
Onboarding is a one-time engagement starting from $1,000+ (Essential), $2,500+ (Plus), or $5,000+ (Enterprise). It includes full pipeline data migration, core banking and CRM connector setup, custom credit policy and covenant encoding, team role configuration, and live training before your first billing cycle.
Do we have to replace our existing banking systems?
No. Veqorlyn AI acts as an intelligent orchestration layer on top of your current stack. It connects directly with your commercial loan origination systems (LOS), core banking platforms (such as Fiserv, nCino), CRMs (Salesforce FSC, HubSpot), and data warehouses (Snowflake, BigQuery) via documented APIs.
Can Veqorlyn AI follow our own credit policy and approval authority?
Yes. Your bank's specific credit policy, risk-rating thresholds, covenant requirements, and delegated approval matrices are encoded into the policy engine during setup. Requests are continuously checked for policy variances and routed according to your defined approval authority.
Does our borrower data have to leave our environment?
No. In addition to our SOC 2 managed cloud offering, Veqorlyn AI can be deployed private and self-hosted within your bank's own cloud enclave (AWS, Azure, GCP VPC) or on-premise infrastructure. Nonpublic personal information (NPI) and sensitive borrower documents never leave your security perimeter.
How much do our underwriters have to trust the AI?
Nothing is taken on blind trust. Every extracted figure cites the exact coordinate on the source document page, every credit analysis shows its mathematical rationale and analyst adjustments, and every covenant calculation is 100% deterministic with complete audit logs. Unverified items sit in a dedicated review queue.
Can we evaluate Veqorlyn AI on our existing loan book before rolling it out?
Yes. In our 45-minute interactive walkthrough, we can ingest and run Veqorlyn AI against a representative, sanitized slice of your bank's live loan pipeline or existing facility records. This lets your team evaluate live extraction, spreading, and covenant monitoring on real deal flow before any rollout.
