Allison is an automated pre‑flight credit analysis platform for community banks and credit unions. It ingests borrower documents in any format, spreads financial data, calculates key ratios, and generates a decision‑ready credit package—including executive summary and memo draft—within an hour, boosting analyst throughput by 30‑50% without additional headcount.
Funding
Funding not disclosed
Founders
Product
Problem
Community banks and credit unions often experience slow loan processing because analysts must manually gather, spread, and format borrower documents before underwriting can begin. This manual pre‑flight work creates bottlenecks, increases the risk of errors, and limits the number of loans analysts can handle without adding headcount.
Solution
Allison provides an automated pre‑flight credit analysis platform that ingests borrower documents—tax returns, financial statements, rent rolls, and other files—in any format and generates a decision‑ready credit package within an hour. The system automatically spreads financial data, calculates key ratios, performs trend analysis, and produces an executive summary and memo draft that analysts can quickly verify. By delivering standardized, accurate packages, Allison reduces turnaround time from days to under an hour, increases analyst throughput by 30‑50 %, and eliminates repetitive copy‑paste tasks while preserving analyst control over final decisions.
Target Audience
Allison is aimed at community banks and credit unions with small credit teams that need to accelerate loan underwriting while maintaining consistency and control.
Features
- Document intake engine that accepts messy PDFs, scans, and photos and extracts relevant financial data
- Automated financial spreading and ratio calculation (e.g., DSCR, debt‑to‑worth, current ratio) with source citations
- Generation of a complete first‑pass credit package, including executive summary, three‑year financial spreads, and memo drafts
- Consistent, bank‑specific formatting and calculations across all branches and analysts
- Cloud‑based workflow that delivers decision‑ready packages for review within under one hour
- No upfront setup cost; 90‑day pilot available for lean credit teams