Process more applications without growing your underwriting team
The Sphera processor reads every document, extracts every data point, calculates every ratio, and flags every risk. Your underwriters open a complete credit file instead of a stack of PDFs, on every consumer and commercial application.
One pass from intake to a complete underwriting file
Turn every document and cashflow feed into structured data
Every document type your product touches
Paystubs, T4s, personal and business bank statements, tax filings, merchant processor exports, AR agings, and voided checks. Every field lands labeled, typed, and traceable to its source page.
Line-item data from cashflow feeds
Open banking and merchant processor feeds arrive as transactions, not PDFs. Deposits, payroll, ACH debits, and loan repayments come pre-categorized and tied to the applicant.
Every ratio your credit memo needs, calculated the moment data lands
Ratios tied to your credit policy
Front- and back-end DTI for consumer files. DSCR, current ratio, and gross and net margin for business files. Override the formula per product and the engine recalculates the moment inputs change.
Trend and seasonality across the whole file
Revenue trend, cashflow volatility, deposit concentration, and month-over-month change surface as numbers, not spreadsheet formulas. Your underwriter opens the file with the picture already drawn.
Catches what an underwriter would see on the fifth read
Cross-references every number against every other document
Three paystubs trending down flags an income risk. A bank deposit that doesn't match declared income flags a disclosure gap. A business whose top customer is half its revenue flags concentration risk.
Every flag linked to its evidence
Each flag points to the exact page, line, or transaction that triggered it. Your underwriter verifies the source in a click, not a document hunt.
How many more loans could you process at current headcount?
Plug in your numbers. The calculator shows today's per-loan cost and time, then what your team could process if Sphera removed 30% of the manual work on every file.
Underwriters and loan officers (FTEs)
See the processor run on your own pipeline
We pilot the processor on a portion of your incoming applications and benchmark time per file against your current workflow. No migration, no changes to your credit policy.