The first Agentic AI for SMB & Commercial lending

Originate more. Chase less.

Turn messy borrower packages into decision-ready credit memos in 5 minutes.

Join community and regional banks leveraging AI agents

Winning teams run commercial lending on Lama AI

β€œIf you are going to employ AI, credit underwriting is one of the most impactful places to start. If you are tackling credit underwriting, Lama AI should be in the conversation. We tested several small business LOS platforms and Lama AI ended up being our choice. They have performed well for us over the past three years.β€œ

Chris Nichols

President, Institutional Banking

β€œWith its advanced features, rapid configurability, intuitive design, and exceptional support, Lama AI empowers us to work with greater precision and agility."

Ryan Goellner

EVP of Technology

β€œWe think a lot about how technology actually drives the bank forward, and it has to show up in our day-to-day operations. Lama AI’s Agentic AI platform fits into how we operate across lending, helping our team move faster and keeping things simpler.”

Laurie Senn

Executive Vice President and Chief Administrative Officer

β€œLama has played a key role in modernizing our operations with seamless efficiency. Their commitment to personalized service and flexible technology has allowed us to expand our use of the platform into credit cards and C&I lending. Today, their platform serves as the foundation for delivering an exceptional experience to both our customers and our internal teams.”

Chris Hebbard

SVP, Credit

β€œAfter evaluating twelve vendors, we chose Lama AI as our LOS platform. They listen, move fast, and their solution adapts to our specific needs. I trust them as our AI-first partner as we grow more agile in commercial lending.”

Martin Navratil

SVP II, Director of Credit Administration

β€œWith Lama AI, everything is completed before we even see it. Every application is automatically risk-graded, allowing us to approve low-risk partners instantly and focus only on the ones that need attention.”

Mandy Cooper

Head of Payment Risk Management

β€œThe Lama team understands lending. They have been able to provide us with bolt-on utilities that are immediately accretive and provide real efficiency gains very quickly.”

Steven Gonzalo

President & CEO

β€œCommercial financials come in very different formats with very different information. Lama's use of AI within the platform makes that part of the lending process a lot easier and more streamlined.”

Patrick Gostovich

Senior Enterprise Business Analyst

Gate City accelerates approvals by 10x

Read how a $3.6B bank replaced legacy lending with Agentic AI, and gave business customers faster access to credit, without sacrificing human judgment.

End-to-end, from intake to closing and servicing

Across all commercial products

Auditable and explainable

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Empower your lending team with AI Agents. From prospecting to servicing.

Lama AI's modular agents handle every stage, from a borrower's first message to a credit memo ready for committee β€” in minutes.

Meet your 24/7 team

Intake optimizer

Document assessor

Memo generator

Workflow Orchestrator

Borrower Assistant

Lender Researcher

Insight CreatorΒ 

Loan structure advisor

Monitoring Operator

AI Agents turn any input into a complete application. Instantly.

Engage borrowers 24/7 on any channel. Turn every conversation, email, online submission, or zip folder upload into a complete application.

Automate pre-screening with modern client portal
Loan application #1203
Intake
Auto-filling with Lama AI… 0%
Table showing financial metrics for Brightline Freight Co. with data from FY24 and FY25 and percentage changes: Revenue rose 27.9% from 412,844 to 528,110; Gross Profit increased 32.3% from 121,789 to 161,074; Expenses grew 27.7% from 287,844 to 367,610; Net Income increased 23.9% from 107,000 to 132,500; Gross Margin declined 2.2% from 32.4% to 30.2%; Customer Growth rose 25% from 1,200 to 1,500.
User interface element showing a CSV file named 'q4-bank-export.csv' labeled as 'Bank statements' with a purple badge indicating it has been analyzed.User interface element showing a file named 'Tax Returns' with the file name form-1120s-2023-25.pdf and a status labeled 'Analyzed' with an icon.User interface element showing a PDF file named 'Appraisal_Report_v1_2026.pdf' titled 'Appraisal Report' with a status label 'Analyzed' and a PDF icon.A user interface element displaying an Excel file icon, the text 'Financial statements' with filename 'fy25-pl-balance.xlsx', and a purple 'Analyzed' label with sparkle icons.
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AI-powered financial analysis.

Process any document into financial spreads with 95%+ accuracy. Configurable to your templates, chart of accounts, and analysis method.

Turn financials and tax returns into spreads, automatically

Everything you need to write. Ready when you need it.

Customer responses, follow-ups, credit memos, and narratives β€” written to your standards. Your team reviews, refines, and sends. Always in control.

Check it out
Composite image showing a response generator email draft thanking John for a loan request and requesting bank statements and tax returns, a loan request summary stating Brightline Freight Co. is requesting $250,000 for equipment financing to acquire three Class 8 tractors and expand its region, and business insights highlighting a 4% increase in gross margins signaling strong pricing power and a resilient model, plus outstanding growth velocity with monthly revenue crossing a new threshold.
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Abstract brush strokes in purple, blue, and pink hues on a transparent background forming curved shapes.

Credit assistant guiding underwriters.

Context-aware and explainable AI assistant that compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.

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100+ integrations.
‍Out of the box.

Built on a RESTful API with 100+ pre-built integrations: core systems, risk models, SoS, E-Tran, eSignature, and more. Adding anything new is easy.

Check it out
User interface with controls for setting financial conditions including a credit score range slider from 300 to 850 set near 850, a minimum DSCR input set to 1.67, bank statement collection options with 'Always' checked, and a minimum time in business input set to 5 years.
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Smart configuration layer.

Go live in as little as 3 weeks with industry-proven templates, or fully configure the system to match your exact procedures. Get complete visibility and control over your automated workflows, rules, and criteria.

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Enterprise-grade security.

Protect your data and your customers' trust with built-in compliance and bank-level safeguards. SOC 2 Type 2 certified and CCPA/CPRA compliant, with 256-bit AES encryption, role-based access, and SSO β€” only the right people have access at every step.

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Modular or end-to-end?
The choice is yours.

Knowledge is power

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See how commercial lenders are using agentic workflows to cut processing times by 90%.

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