Commercial Lending

Commercial lending. Every file under control.

Structure borrower intake, track missing documents, and manage annual financial reviews, before and after loan closing.

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Acme Manufacturing LLC
#CF-2026-1432 · C&I · Working Capital · $2,500,000
In Review
18 of 24 required documents75%
View Requirements
DocumentCategoryStatusAdded
Business Tax Returns (3 yrs)FinancialsCompleteOct 12
Business Bank StatementsFinancialsCompleteOct 10
A/R Aging (12 months)OperationsMissing—
A/P Aging (12 months)OperationsMissing—
Debt ScheduleLiabilitiesCompleteOct 8
Personal Financial Statement (Guarantor)GuarantorNot Required—

Configured to your product mix, not ours. Add or retire a loan type without a development project.

SBA 7(a)Expand your business
SBA 504Real estate and equipment
SBA ExpressFaster access to capital
C&IWorking capital and growth
Commercial Real EstateIncome producing properties
Equipment FinancingMachinery and equipment
01 · Borrower Experience

Loan-specific intake. No generic checklists.

Give borrowers a guided application experience with document requirements tailored to each commercial loan type, from C&I to SBA to CRE.

Dynamic checklistsRequirements adjust based on loan type, industry, and amount.
Multiple intake methodsSecure portal, email, upload, or third-party integrations.
Clear guidanceHelp borrowers provide the right documents the first time.
Final application generated for youProduced in your bank's custom format, or filled into your fillable PDF templates.
Acme Manufacturing LLC  ›  Commercial Loan Application
1Business Info2Ownership3Financials4Operations5Documents6Review
Required Documents
Based on C&I · Working Capital · Acme Manufacturing LLC
12 of 24 documents50%
Business Tax Returns (3 years)UploadedOct 12
Business Bank Statements (12 months)UploadedOct 10
A/R Aging (12 months)RequiredUpload
A/P Aging (12 months)RequiredUpload
Interim Financial Statement (YTD)OptionalUpload
Debt ScheduleUploadedOct 8
Document Guidance
A/R Aging (12 months)
Provide an accounts receivable aging report for the most recent 12 months. Include customer names, invoice dates, amounts, and aging buckets.
Accepted formats
Excel (.xlsx, .xls)
PDF (generated from your accounting system)
View detailed requirements →
02 · Portfolio Management

Stay current long after closing.

Automate annual financial reviews and track ongoing requirements across your entire commercial portfolio. Get real-time visibility into what's complete, what's missing, and what needs attention.

Tax returns, insurance certificates, CRE performance updates, borrowing base certificates: scheduled, requested, and tracked to completion across your whole commercial portfolio.

Annual Financial Reviews
BorrowerLoan TypeLoan AmountNext ReviewStatusRequirements
Acme Manufacturing LLCC&I$2,500,000Nov 5, 2026Due Soon
2 of 5
Riverside PropertiesCRE$4,200,000Oct 1, 2026Overdue
1 of 6
Summit DistributionC&I$1,800,000Nov 20, 2026In Progress
3 of 5
Harbor Equipment Co.Equipment$750,000Jan 20, 2027Not Started
0 of 4

How annual reviews work

  1. 1Staff set up each review.Choose the borrower relationship and the documents due.
  2. 2Requests repeat on a schedule.Each cycle's request is created for you, so nothing is re-requested by hand.
  3. 3Borrowers get reminders, staff get notified.Borrowers are reminded about outstanding items, and your team is notified of activity and due items.
  4. 4Status stays visible.Every review shows as Due Soon, Overdue, In Progress, or Not Started. Overdue reviews can be reassigned to another officer.
03 · Participation & Sharing

Participation-ready files.

Easily share a complete, organized file with partner banks or investors. Control what's included and maintain a full audit trail. The partner gets the same structured file, instead of a package rebuilt from scratch for every partner.

See how ConnectFI simplifies your commercial lending workflow.

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