# Wagoo — AI Underwriting Software for Lending Teams

> Wagoo is an AI-powered underwriting automation platform that helps lending teams generate prescreen memos and process deals 240x faster than manual methods. It turns 4 hours of manual underwriting into under 3 minutes of automated processing.

## About Wagoo

Wagoo is the AI operating system for lending firms. It automates underwriting, back-office workflows, and portfolio management for hard money lenders, real estate investors, SMB lenders, debt funds, private equity firms, and credit unions.

The platform uses a multi-agent AI architecture — 5 specialized agents (company analysis, financial spreading, field exam, risk assessment, and web enrichment) run in parallel to extract data from loan documents, run credit models, calculate DSCR/LTV ratios, and generate professionally formatted prescreen memos.

## Key Pages

- [Homepage](https://wagoo.ai): Overview of the AI underwriting platform, features, and demo booking
- [About](https://wagoo.ai/about): Company background, mission, and team
- [Pricing](https://wagoo.ai/pricing): Custom pricing plans for lending firms
- [Blog](https://wagoo.ai/blog): Articles on AI underwriting, lending automation, and fintech

## Blog Posts

- [What Is AI Underwriting?](https://wagoo.ai/blog/what-is-ai-underwriting): Complete guide to how multi-agent AI systems automate lending decisions
- [How to Automate Prescreen Memos](https://wagoo.ai/blog/prescreen-memo-automation): Cut 4 hours of memo generation to under 3 minutes
- [DSCR and LTV Ratios Explained](https://wagoo.ai/blog/dscr-ltv-explained): Key metrics every lender should automate
- [Best Software for Hard Money Lenders](https://wagoo.ai/blog/hard-money-lending-software): Comparison of LOS, CRM, underwriting, and portfolio tools
- [How AI Agent Swarms Transform Lending](https://wagoo.ai/blog/ai-agents-in-lending): How 5 parallel AI agents process deals in minutes
- [Top AI Underwriting Platforms 2026](https://wagoo.ai/blog/top-ai-underwriting-platforms): Comparison of 6 AI underwriting platforms
- [Best AI Credit Decisioning Tools](https://wagoo.ai/blog/ai-credit-decisioning-tools): Comparison of 5 AI tools for credit analysis automation
- [AI Financial Spreading & Risk Assessment](https://wagoo.ai/blog/ai-financial-spreading-risk-assessment): How AI automates financial spreading and risk analysis in parallel
- [Best Loan Management Software for Private Lenders 2026](https://wagoo.ai/blog/best-loan-management-software): Honest comparison of Wagoo CRM, The Mortgage Office, Mortgage Automator, Liquid Logics, LendingWise, and Lendr for private lenders, debt funds, and hard money teams

## Core Features

1. **Automated Pre-Screening**: Upload loan documents (PDF, Excel, email) and receive a complete prescreen memo in under 3 minutes
2. **Multi-Agent AI Architecture**: 5 specialized agents analyze deals in parallel — company profile, financials, field exam, risk factors, and web enrichment
3. **Deal CRM**: Track every deal from origination through payoff — borrower records, maturity schedules, insurance alerts, and native email/calendar integrations
4. **Portfolio Intelligence**: Proprietary models score deals against portfolio concentration and yield targets to surface rebalancing opportunities
5. **Custom Credit Models**: Integrate your specific credit criteria, DSCR/LTV thresholds, and risk parameters
6. **Document Processing**: Extract structured data from PDFs, Excel spreadsheets, and emails automatically

## Target Customers

- Hard money lenders
- Real estate investors and bridge lenders
- SMB lenders
- Debt funds and private equity firms
- Credit unions
- Venture debt providers

## Contact

- Website: https://wagoo.ai
- Email: support@wagoo.ai
- LinkedIn: https://www.linkedin.com/company/wagoo-ai
- Instagram: https://www.instagram.com/trywagoo/

## Optional

- [Full content version](https://wagoo.ai/llms-full.txt)