Business Lenders
Take the manual work out of the file.
Improve your credit performance with an AI analyst.
Meet Sphera
Your AI assistant
Every application in one view
Stage and status on one board
Every live file, what stage it sits at, and the one thing it is waiting on.
Stalled files surface themselves
A file that has stopped moving rises before the borrower stops answering.
Your team works the same file at once
No passing it down the line
Analyst, credit officer and underwriter work the same file at the same time instead of waiting their turn.
Every change lands immediately
No file locks, no stale copy, and no version of the file that only one person can see.
A borrower portal in your brand
Your name on it, not ours
White-labeled end to end, so an applicant never meets a third party mid-application.
It adapts to the product
A working capital file and an equipment file ask different questions. One portal handles both.
An assistant that collects documents and lifts conversion
It does the chasing
Requests, reads and verifies statements, tax filings and bank data, and follows up until the file is complete.
Fewer applications abandoned
Most files die waiting on paperwork, not on credit. An applicant who is followed up with finishes.
Connected to your data sources
Accounting, banking, bureau, registry
Accounting systems, bank transaction data, commercial bureau files and corporate registry records, read where you already have access.
Inside the tools you use
Agents work between your systems rather than replacing them.
Spreading, handled
Statements in, spread out
A PDF from the borrower's accountant becomes a normalized spread. Nobody on your team retypes it.
Every adjustment shows its work
Owner compensation, related-party rent, one-time items. Each one is named and defensible, so your credit committee can argue with it.
Your credit policy, running as decision flows
Written by your credit team
Rules your credit team can change and test against past files, with no engineering queue.
The decision stays yours
Sphera processes and recommends. Approval stays with your team.
Run one live file with us
Send us one application in your pipeline. You get back the credit package, sourced and referenced.