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.

Lending Solutions

Asset-based lending with the borrowing base built in

Spread the collateral, calculate availability, and monitor the base: Wagoo is built for ABL from the first document.

Built for asset-based lending

ABL is a collateral discipline. Wagoo reads A/R agings, inventory reports, and financials, calculates the borrowing base against your advance rates, and flags concentration and dilution, turning a field-exam grind into a confidence-scored summary.

Borrowing base, calculated

Eligible A/R and inventory against your advance rates and ineligibles, with availability surfaced automatically.

Concentration and dilution flagged

Customer concentration, dilution, and aging risk are called out with citations back to the source report.

Field-exam-ready detail

Structured collateral analysis keeps monitoring and re-underwriting consistent line over line.

AI Underwriting

Underwritten on what matters for this deal

Wagoo's product-aware underwriting reads the package and surfaces the figures that decide asset-based lending credits, every one confidence-scored and cited to its source document.

Eligible A/R and inventory against advance rates
Customer concentration and A/R dilution
Aging and ineligibles
Availability and formula compliance

MMeridian Credit Search…M

Meridian Distribution

ABL Revolver · $6.0M

In Review

AI Confidence

91%

Risk Rating

Low

Borrowing base calculated

Borrowing base

Availability$5.8M

Eligible A/R (85%)$4.2M

Eligible inventory (50%)$1.6M

A/R dilution3.1%

One platform, the whole loan

Origination, underwriting, and servicing: the same asset-based lending deal, start to finish.

See it on your asset-based lending deals

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