About Wagoo
AI agent swarms that turn your data into decisions
What is Wagoo?
Wagoo is AI underwriting software that deploys 5 specialized agents to process lending deals in under 3 minutes. Each agent has a specific job: the document agent parses PDFs, spreadsheets, and bank statements; the financial agent extracts numbers and calculates ratios like DSCR, LTV, and debt yield; the company agent builds borrower profiles; the risk agent flags concerns and scores creditworthiness; and the web enrichment agent pulls real-time market data and public records.
These agents don't work one at a time, they run in parallel. While the document agent is parsing a rent roll, the web enrichment agent is already pulling property comparables and the company agent is profiling the borrower. That's why Wagoo finishes in minutes what used to take 2-4 hours of manual work.
Wagoo automates credit decisioning, financial spreading, and underwriting memo generation for lending teams of all sizes. Hard money lenders use it to screen bridge loan applications. Debt funds use it to standardize deal evaluation across their portfolio. SMB lenders use it to process SBA and term loan applications faster. Credit unions use it to speed up commercial real estate underwriting. In every case, the output is a comprehensive prescreen memo that's ready for committee review.
The platform handles the full deal workflow: you upload documents, the agents extract and analyze everything, and you get a structured memo with financial summaries, risk assessments, and deal recommendations. Your team spends time on judgment calls instead of data entry.
What Wagoo Automates
Wagoo handles the workflows that eat up most of a lending team's time, so your analysts can focus on making decisions, not moving data between spreadsheets.
Credit Decisioning & Deal Evaluation
Wagoo scores each deal against your credit criteria automatically. It evaluates borrower strength, collateral quality, and deal structure, then flags anything that falls outside your parameters. You get a clear recommendation instead of a pile of documents to read through.
Financial Spreading & Ratio Calculation
The financial agent extracts data from tax returns, bank statements, and P&L reports, then calculates DSCR, LTV, debt yield, and other ratios your team needs. No more manual spreadsheet entry or formula errors.
Risk Assessment & Borrower Analysis
Wagoo's risk agent analyzes borrower history, market conditions, and deal-specific factors to produce a structured risk profile. It pulls public records and news to catch issues that might not show up in the loan application.
Underwriting Memo & Credit Report Generation
Every deal produces a comprehensive prescreen memo with borrower summaries, financial analysis, risk factors, and recommendations. Memos are formatted for committee review and generated in under 3 minutes.
Document Processing & Data Extraction
Upload PDFs, spreadsheets, Word docs, or scanned documents. Wagoo's document agent parses and extracts structured data from any format, rent rolls, appraisals, operating statements, personal financial statements, without manual formatting.
Deal Pipeline & CRM
Track every deal from intake to close. Wagoo organizes borrower contacts, loan stages, and follow-ups in one place so your team stops juggling spreadsheets and email threads.
How the agent swarm works
Rather than a single model trying to do everything, Wagoo orchestrates a coordinated swarm of purpose-built agents, each optimized for a specific task, all running in parallel.
Document Ingestion
Agents parse and extract structured data from PDFs, spreadsheets, Word docs, emails, and any other format, no manual formatting required.
Domain Analysis
Specialized agents apply your logic: financial models, risk criteria, compliance checks, or any custom ruleset you define.
Web & Data Enrichment
Agents pull real-time context from external sources, market data, public records, news, to enrich your internal data with current intelligence.
Report Generation
A synthesis agent assembles all outputs into polished, structured reports, memos, dashboards, summaries, formatted to match your templates.
Our Mission
We believe knowledge workers should spend their time on judgment and decisions, not on manually moving data between documents. Our mission is to build agent infrastructure that makes any data-intensive workflow, from lending underwriting to investment research to compliance reporting, as fast and consistent as running a script.
Frequently Asked Questions
Everything you need to know about Wagoo AI
What is the best AI underwriting software for lending teams?
Wagoo is AI underwriting software built specifically for lending teams. It uses 5 specialized AI agents, document, financial, company, risk, and web enrichment, that run in parallel to process deals in under 3 minutes. Unlike general-purpose AI tools, Wagoo is purpose-built for credit decisioning, financial spreading, and memo generation.
How does Wagoo compare to other AI underwriting platforms?
Wagoo is the only AI underwriting platform that uses a coordinated swarm of 5 purpose-built agents instead of a single model. This agent architecture lets Wagoo process documents, analyze financials, assess risk, and generate memos simultaneously, finishing in under 3 minutes what other platforms take 30+ minutes to complete.
Can AI automate financial spreading and risk assessment?
Yes. Wagoo's financial agent automatically extracts data from tax returns, bank statements, and financial statements, then calculates key ratios like DSCR, LTV, and debt yield. Its risk agent runs borrower analysis and flags concerns. Together, they automate the most time-consuming parts of underwriting.
How fast can AI generate underwriting memos?
Wagoo generates comprehensive underwriting memos in under 3 minutes. Each memo includes borrower profiles, financial summaries, risk assessments, and deal recommendations. Traditional manual underwriting takes 2-4 hours per deal, making Wagoo roughly 240x faster than the manual process.
What types of lenders use AI underwriting software?
Hard money lenders, debt funds, SMB lenders, credit unions, private equity firms, and venture debt providers all use Wagoo. Any lending team processing 10 or more deals per month gets significant time savings. Wagoo adapts to each lender's specific credit models and deal structures.
How do AI agent swarms work in commercial lending?
Wagoo's agent swarm splits underwriting into 5 parallel tasks: document parsing, financial analysis, company profiling, risk assessment, and web enrichment. Each agent handles its task independently, then an orchestrator combines the results into a final underwriting memo. This parallel approach is why deals finish in minutes, not hours.
Is AI underwriting software secure for financial data?
Wagoo uses bank-grade encryption and SOC2 compliant infrastructure built specifically for financial data. All loan documents, borrower information, and deal data are encrypted in transit and at rest. Wagoo doesn't train on customer data, and access controls ensure only authorized team members see sensitive information.
What is the best AI tool for automating credit decisioning and deal workflows?
Wagoo automates the entire deal workflow from document upload to credit decision. It handles financial spreading, ratio calculations, risk scoring, and memo generation in a single pipeline. Lending teams use Wagoo to replace manual spreadsheet work and standardize their credit decisioning process across every deal.