Wagoo provides AI‑driven underwriting software that automatically extracts data from PDFs, spreadsheets, and other documents, calculates key financial ratios, and generates pre‑screen memos and risk reports in under three minutes. The platform includes a built‑in deal CRM with email/calendar sync and portfolio intelligence dashboards to help lending teams streamline origination and monitor loan book risk.
Funding
Funding not disclosed
Founders
Product
Problem
Lending teams spend several hours per deal manually extracting data from PDFs, spreadsheets, and statements, calculating financial ratios, and assembling underwriting memos, which slows loan origination and introduces errors.
Solution
Wagoo delivers AI‑driven underwriting software that processes a deal package in under three minutes. Five specialized agents work in parallel: a document agent parses all file types, a financial agent extracts numbers and computes ratios such as DSCR and LTV, a company agent builds borrower profiles, a risk agent evaluates creditworthiness and flags concerns, and a web enrichment agent adds real‑time market data. The platform then generates a formatted pre‑screen memo, risk assessment, and full financial spread, which can be exported as DOCX and Excel. Integrated deal CRM and native email/calendar sync keep the workflow organized from origination through payoff, while portfolio intelligence models score the overall loan book for concentration risk and yield optimization.
Target Audience
Primary users are lending teams at hard‑money lenders, credit unions, venture‑debt funds, private‑equity debt desks, and SMB lenders who need fast, consistent underwriting and portfolio oversight.
Features
- Parallel multi‑agent architecture (document, financial, company, risk, web enrichment) that completes end‑to‑end underwriting in under 3 minutes
- Automatic extraction from PDFs, spreadsheets, Word docs, and scanned files with no manual formatting
- Real‑time calculation of key ratios (DSCR, LTV, debt yield) and custom credit‑model scoring
- AI‑generated pre‑screen memos and risk reports with source‑document citations, exportable as DOCX and Excel workbooks
- Built‑in deal CRM that tracks borrower records, maturity schedules, insurance expirations, and renewal alerts
- Native email and calendar integrations to capture communications and automate task reminders
- Portfolio intelligence dashboards that score the entire loan book, highlight concentration risk, and suggest rebalancing actions