Wagoo is an AI-powered operating system for lending teams that automates underwriting, generates prescreen memos, and manages back-office workflows. It turns 4 hours of manual underwriting into 1 minute of automated processing.

Does Wagoo offer custom solutions?

Yes, every Wagoo implementation is custom-built for your specific lending workflow. We tailor the AI to your credit models, document templates, and team requirements. Book a demo to discuss your needs.

What types of lenders use Wagoo?

Wagoo serves hard money lenders, real estate investors, SMB lenders, debt funds, private equity firms, credit unions, and venture debt providers. Any lending team processing 10+ deals per month can benefit.

How fast can Wagoo generate underwriting memos?

Wagoo generates comprehensive prescreen memos in under 3 minutes. Traditional manual underwriting takes 2-4 hours per deal. That's a 240x improvement in processing speed.

How do I get started with Wagoo?

Book a demo to discuss your specific needs. We'll build a custom solution tailored to your lending workflow, credit models, and team requirements. Every implementation is personalized to your business.

Security & data handling

Built to be trusted with a loan book.

You're importing borrowers, terms, and documents. Here is exactly how that data is stored, isolated, processed, and returned to you. Forward this page to whoever needs to sign off.

Where your data lives

Wagoo runs on Supabase (PostgreSQL) hosted on AWS in the United States (us-east-2), with the web application served by Vercel. Your book is encrypted in transit (TLS) and at rest, with automated daily database backups managed by our database provider.

Tenant isolation

Every lender's workspace is isolated at the database layer using row-level security: every query is scoped to your workspace by the database itself, not just by application code. No other lender can ever read your deals, borrowers, documents, or payments.

AI and your data

AI features (the import agent, prescreen memos, the assistant) read only the data they need to do the job you asked for, and your data is never used to train AI models. AI processing runs through Anthropic's API, which does not train on API data. Agent actions that change your book follow an approve-first pattern: the agent proposes, you approve.

Subprocessors

Supabase / AWS (database, storage, authentication) · Vercel (application hosting) · Stripe (billing: card details never touch Wagoo's servers) · Anthropic (AI processing) · Resend (transactional email) · PostHog (product analytics) · LiveKit (voice features) · Google and Microsoft (only if you connect those integrations).

Your data is yours

Export deals to Excel anytime, including after you cancel. If you don't subscribe after a trial, your workspace stays intact so you can pick up later, or email us and we'll delete it entirely. A Data Processing Agreement is available on request.

Compliance posture

We are not yet SOC 2 certified. We're an early-stage company and we'd rather say that plainly than imply otherwise. The controls above are in place today, and we're happy to walk your counsel or IT through any of them. Ask us anything: support@wagoo.ai.