Tue, Feb 28, 2023: Two persistent problems in securing commercial loan documents
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# Capture
# Analyze
# Finance
## Smart lending automation
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## Lenders trust AIO to capture, classify, validate, and analyze documents leveraging built-in best practices
### The problem:
# 80%
### of application have an incorrect document
### Speed & efficiency
# 50%
### Increase in productivity.
### Documents we analyze:
Operating Agreements
EIN/TIN
Documents
Utility Bills
W2, W9
K1
1040
A,B,C,E,SE
Profit
& Loss
Bank Statements
Article of
Incorporation
IDs
1120S
1099
Financial
Statements
Pay Stubs
**1040S A,B,C,E,SE**
Ownership
W2, W9, K1
Profit & Loss
Bank
1120
AML/PEP
Photo ID
Pay stubs
Balance
Sheet
Assets
KYB
Titles
Company type
Name & Adresses
Directors
Owners
Revenue
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## Financial verification solutions designed for the digital era.
!
#### Digital Portal
Lenders use AIO to complete document checklists enabling a smooth, transparent, frictionless experience for borrowers.
### Intelligent API
FinTechs and Lenders use AIO’s  to instantly validate and extract data from documents to avoid frustration in the lending experience
### Brokers and Agents
Use AIO to create complete loan application packages and submit them instantly to their providers.
##### Digitally obtain and verify what lenders need to underwrite loans quicker.
##### Instant businesses verification and validation. Cross-checked against internal and external data
##### Quicker underwriting via automated reading and verification of financial documents.
### Key Features
##### Automatically classify documents
##### Cross check data across documents
##### Shared checklists withbrokers and clients
##### Validate correct dates and entity
##### Instant feedback to clients
##### Auto-fill forms withdata from documents
### Unleash the power of AI. Overcome business obstacles.
## AIO's AI powered lending platform works differently.
It's designed to extract and classify data to turn it into actionable information, understand what data is missing according to workflows, and optimize processes, all without human intervention. AIO's unique architecture enables users to control their financial data on their own storage creating a distributed architecture.
This architecture removes friction by enabling  reuse of the data in the most secure and private method in the market.The platform facilitates direct communication between customers and financial institutions, eliminates the challenges of dispersed data sources, and unlocks the data contained in documents.
#### Transform leads into valuable, long-term clients with AIO
CaptureValidateFinalizeMonitor!
## Capture
**Real**-**time** **FeedbackDocument Classification**AIO Capture sends smart checklists of required documents to the borrower and broker. It reads, splits, and classifies the uploaded documents in real time, providing immediate feedback to the borrower regarding the quality, completeness, and accuracy of the submitted document set.
## Validate
**Efficient and Accurate Data Validation:**AIO Validate reduces manual work time by up to 67% by leveraging ABL industry knowledge for data checks and cross-references. The system constructs and organizes data, identifies errors and potential fraud, and automates the entire data validation and verification process.
## Analyze
**Quick Data Analysis for Decision Support:**AIO Analyze leverages the validated data to analyze loan requests and complete loan dossiers, providing fast screening and decision-support for underwriting. It includes key ratios, indicators, entity relationships, and insights. The intuitive interface allows for ad-hoc addition of ratios, formulas, and new information requests.
## Monitor
Streamlines loan portfolio servicing with automated ticklers, reminders, customizable checklists, and compliance reporting.
##### Shlomi Turgeman
General Manager,
BTB
## ״Our commercial clients come to us because we're digital-first which provides speed, privacy, and security. AIO helps with a simple, frictionless experience.״
##### Deedra Howes
Director, Commercial Lending Ops,
FirstTech
# “We are expecting productivity improvements of 25%. A decrease of 42 hours from application to approval.”
##### Rod Boothby
Global Head of Identity,
Santander
# “We need a technology to help us safely and securely gather the information and put it in a data vault. AIO has the technology to do that.”
#### Although we come from diverse backgrounds and industries, we all had a shared frustration regarding how customer data was collected and verified.
Customer data is constantly in flux, often collected without true consent and handled without care. To validate customer profiles, we used to rely on purchasing static and unreliable self-reported or second and third-party data, which fail to tell an updated and comprehensive picture even as multiple feeds are pieced together.
With that in mind, we set out to design a better system by reimagining how people's financial identities are built, shared, maintained, and verified. Today, AIO's solution creates a seamless process for financial institutions by enabling them to untangle even the most complex business entities while giving businesses complete control over the data they share.
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