Lama AI

What Lama AI does

Lama AI provides AI-native loan origination infrastructure for community and regional banks. Its platform helps automate intake, borrower assistance, document collection, underwriting preparation, decisioning workflows, closing, and portfolio monitoring, enabling banks to scale lending operations while reducing manual work. Trusted by leading community and regional banks, Lama AI helps lenders move faster, improve borrower experience, and preserve the credit discipline, oversight, and compliance standards required in regulated lending. Lama AI is on a mission to expand access to fair, profitable capital for small businesses and beyond. Headquartered in NYC with an R&D center in Tel Aviv, Lama AI is reshaping the future of business lending. The platform is cloud-native and helps launch and scale new lending products quickly. It is API-first and can be integrated into existing onboarding platforms or offered as a white-label solution. Lama AI aims to move beyond legacy LOS platforms, spreadsheets, and manual work with a modern AI-powered origination platform built to match how banks lend.

Products

• Lama AI PlatformAn AI-native loan origination platform that automates and accelerates the full lending workflow, from intake and borrower assistance to document collection, spreading, underwriting, decisioning, approval, closing, and portfolio monitoring. It supports SMB and Commercial Lending products including C&I, CRE, construction, SBA, and other specialty product needs.
• Smart ApplicationAn API-first application that comes with pre-built AI models and seamless 1st and 3rd party data connectivity to make the application fast, efficient, and accurate. It can be implemented into existing onboarding platforms or as a white-label platform fully hosted by Lama AI.
• Lending ExchangeA platform that allows lenders to participate as lending partners to automatically receive opportunities that match their lending appetite and deploy more capital, or as referral partners to seamlessly approve more customer loan applications without taking credit risk.
• Small-Dollar Loans SolutionA solution to turn low-margin micro-lending into a highly profitable automated growth engine by streamlining the entire lifecycle with score-based credit decisioning and zero-touch processing.
• Auto & Equipment Loans SolutionA solution to handle the full workflow for auto and equipment loans, from intake to closing, enabling faster and more confident decisions.
• Commercial Real Estate SolutionA solution to simplify complex CRE deals by centralizing borrower entities, guarantor financials, and collateral documentation into a single, seamless workflow.
• Smart Client PortalA portal that captures demand across every channel, centralizes interactions, and guides applicants into a faster, cleaner, lender-ready submission. It offers dynamic routing and personalization and enriches borrower profiles with existing data.
• Borrower AssistantAn AI assistant that guides applicants through questions, documents, next steps, and status updates, reducing confusion, delays, and manual follow-up for lending teams.
• Document ExtractionA feature that turns borrower documents into structured, credit-ready data by extracting, validating, and organizing information from various document types like tax returns, rent rolls, appraisals, and bank statements.
• Intake Optimizer (AI Agent)An AI agent that turns any input into a complete application and engages borrowers 24/7 on any channel.
• Document Assessor (AI Agent)An AI agent that processes any document into financial spreads with high accuracy, configurable to templates and analysis methods.
• Memo Generator (AI Agent)An AI agent that generates customer responses, follow-ups, credit memos, and narratives to specified standards.
• Workflow Orchestrator (AI Agent)An AI agent that orchestrates the lending workflow.
• Lender Researcher (AI Agent)An AI agent that compiles insights and researches deals for the credit team.
• Insight Creator (AI Agent)An AI agent that creates insights.
• Loan Structure Advisor (AI Agent)An AI agent that advises on loan structures.
• Monitoring Operator (AI Agent)An AI agent for portfolio monitoring.

Key capabilities

• AI-native loan origination infrastructure
• Automated intake
• Borrower assistance
• Document collection
• Underwriting preparation
• Decisioning workflows
• Closing automation
• Portfolio monitoring
• Cloud-native lending technology platform
• Smart applications with pre-built AI models
• Seamless 1st and 3rd party data connectivity
• API-first architecture
• White-label platform option
• Automated data collection
• User-configurable lending criteria
• Smart validation capabilities
• Lending exchange participation (lending partner, referral partner)
• Full origination journey platform
• AI-powered financial analysis (95%+ accuracy)
• Automated pre-screening with modern client portal
• Credit assistant for underwriters
• RESTful API architecture for seamless integration
• 100+ pre-built integrations
• Plug-and-play functionality
• 100% customization across workflows and processes (in 3 weeks)
• Enterprise-grade security
• SOC 2 Type 2 certified
• CCPA/CPRA compliant
• 256-bit AES encryption
• Role-based access
• SSO support
• GenAI for drafting borrower follow-ups, updates, and requests
• Modular or end-to-end deployment
• Frictionless intake for small-dollar loans
• Instant fraud & identity guard (pre-flight checks, UBO verification, AML/OFAC screens)
• Automated cash flow analysis (Plaid, accounting software APIs, document extraction)
• Auto-decisioning and recommendations (straight-through processing - STP)
• Automated closing & funding (legal agreements, e-sign, core system push)
• Omni-channel intake for CRE (email, digital portal, in-branch)
• Collaboration center for CRE (invite guarantors, CPAs, attorneys, brokers, property managers)
• Financial spreading for CRE (extract and organize financial data)
• Underwriting insights for CRE
• Closing tasks for CRE (centralized checklists, post-approval conditions, legal documentation)
• Automated application assembly (owners, guarantors, entities, ownership structures)
• Documents ready to use upon arrival (scanned, phone photo, PDF)
• Verified data against source for consistency
• Handles various document types without pre-built templates

Use cases

• Automating intake for loan applications
• Providing borrower assistance
• Collecting and processing documents
• Preparing for underwriting
• Managing decisioning workflows
• Automating loan closing processes
• Monitoring loan portfolios
• Scaling lending operations
• Reducing manual work in lending
• Launching new lending products quickly
• Automating data collection for loan applications
• Assessing risk for small business loans
• Approving good applications quickly
• Rejecting applications outside of appetite
• Referring complicated cases to risk officers
• Deploying more capital through lending exchange
• Offering diverse lending products as a referral partner
• Replacing fragmented tools and spreadsheets in origination
• Moving deals through intake, review, underwriting, approval, and closing faster
• Connecting borrower data across all stages
• Processing financial documents into spreads
• Engaging borrowers 24/7 on any channel
• Automating pre-screening
• Guiding underwriters with credit assistance
• Integrating with existing core systems, risk models, verification layers, SoS, E-Tran
• Drafting borrower follow-ups and requests
• Streamlining small-dollar loan lifecycle
• Instant fraud and identity verification
• Automated cash flow and collateral analysis for auto and equipment loans
• Generating instant risk grades and approval recommendations
• Orchestrating closing workflows for auto and equipment loans
• Centralizing CRE deal information
• Converting emails and attachments into structured deal data for CRE
• Guiding borrowers through CRE applications
• Facilitating collaboration among all parties in CRE deals
• Extracting and organizing financial data for CRE
• Managing closing checklists and legal documentation for CRE
• Automating application assembly from borrower files
• Processing various document formats into structured data

AI approach

Lama AI provides an AI-native loan origination platform that uses Agentic AI and GenAI to automate various stages of business lending, from intake and borrower assistance to document collection, underwriting, decisioning, closing, and portfolio monitoring. It leverages AI agents for tasks like intake optimization, document assessment, memo generation, workflow orchestration, borrower assistance, lender research, insight creation, loan structure advising, and monitoring operations. The AI performs financial analysis, processes documents into spreads with high accuracy, and generates credit narratives. The company emphasizes that AI supports decisions but humans remain in the loop for final judgment.

Tech named: Agentic AI, GenAI, AI Agents, AI-powered financial analysis, AI-powered loan underwriting platform

Industries served

• Software Development
• Banking
• Credit Unions
• Fintech
• SaaS Companies
• SMB-focused Organizations

What it says sets it apart

• AI-native platform built for community and regional banks
• Agentic AI for SMB & Commercial lending
• Turns messy borrower packages into decision-ready credit memos in 5 minutes
• Modular agents handle every stage from prospecting to servicing
• Cloud-native and API-first for quick launch and scalability
• Pre-built AI models and data integrations
• User-configurable lending criteria and smart validation
• Ability to participate in a lending exchange
• Replaces fragmented tools with one connected workflow
• AI-powered financial analysis with 95%+ accuracy
• Context-aware and explainable AI assistant for credit teams
• Seamless integration with existing systems (100+ pre-built integrations)
• Fast implementation (go live in 3 weeks) and 100% customization
• Built-in compliance and bank-level safeguards (SOC 2 Type 2, CCPA/CPRA, 256-bit AES, role-based access, SSO)
• GenAI for communication and follow-ups
• Frictionless intake and instant fraud/identity guard for small-dollar loans
• Automated cash flow analysis via Plaid, accounting APIs, or document extraction
• Straight-through processing (STP) for auto-decisioning
• Automated closing and funding workflows
• Omni-channel intake and Borrower AI Assistant for complex CRE deals
• Collaboration center for multiple parties in CRE lending
• Document extraction handles various formats without template pre-building
• Focus on empowering underwriters rather than replacing them
• Addresses the SMB and SBA lending gap with tailored solutions
• Modular approach allows practical entry points for AI-driven automation

Funding rounds we track

From the AI funding tracker — rounds as reported by the linked publications.