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    AI Underwriting

    From document dump to committee-ready memo

    Drop in a deal package and Wagoo reads every document, spreads the financials, flags risks with source-document citations, and drafts a confidence-scored memo in minutes, not hours.

    How it works

    1

    Upload the package

    Drag in PDFs, Excel workbooks, and emails. Wagoo classifies and parses every document automatically.

    2

    AI analyzes in parallel

    Specialized agents extract the company profile, spread financials, assess risk, and enrich with web data at the same time.

    3

    Export the memo

    Review a confidence-scored analysis, then export a formatted DOCX memo and a complete Excel workbook for committee.

    Step 1: Upload

    Drop the whole package. Wagoo sorts it out.

    Drag in the deal exactly as it arrived: PDFs, Excel workbooks, and broker emails. Wagoo classifies each document by type and parses the numbers out, so nobody spends an afternoon renaming files or re-keying a rent roll.

    • Automatic document classification for rent rolls, T-12s, personal financial statements, and legal files
    • Reads PDFs, Excel, and email attachments
    • No templates or field mapping to set up
    Step 2: Analyze

    Five agents, running at once, with a confidence score.

    Specialized agents extract the company profile, spread the financials, assess risk, and enrich with web data in parallel. Every extracted figure carries a confidence score, and the T-12 vs Pro Forma spread is pulled straight from the source statements.

    • Confidence score on every extracted figure
    • Automated T-12 and Pro Forma financial spreads
    • Product-aware modules for CRE, ABL, Equipment, and C&I
    Step 2: Verify

    Every flagged risk points back to its source.

    Risk factors are not a black box. Each one links to the exact document and page it came from, so your team can verify a flag without digging through the data room and trust the memo enough to take it to committee.

    • Risks cite the source document and page
    • Concentration and ownership analysis surfaced automatically
    • Verify a flag without leaving the deal
    Step 3: Export

    A committee-ready memo and full workbook.

    When the analysis checks out, export a formatted DOCX credit memo and a complete Excel workbook structured the way committee expects to read it.

    • Formatted DOCX memo with a full section outline
    • Complete Excel workbook with the spreads
    • Generated in about a minute, not an afternoon

    What you get

    • Review confidence

      Confidence scores show which extracted figures are ready to use and which need verification.

    • Financial spreads

      Automated T-12 and Pro Forma spreads pulled straight from the source statements.

    • Loan-specific analysis

      Purpose-built sections for ABL, CRE, Equipment, and C&I deals.

    • Source-linked risks

      Each flagged risk links to the exact source document and page.

    • Concentration analysis

      Automatic A/R, vendor, and ownership concentration analysis.

    • Committee-ready exports

      Export a formatted DOCX memo and complete Excel workbook.

    See it on your deals

    Book a walkthrough and we'll run one of your live deals through Wagoo.