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For Banks

Commercial & CRE Loan Origination Software for Banks

Fully working lending software for your commercial and CRE teams, connected two ways with your banking core, white-labeled for your brokers and borrowers, with custom modules built when you need them. Without the multi-year enterprise project.

Book DemoRead the Cross River Case Study
We Know Your Day

Sound familiar?

If you run commercial lending at a bank, these will sound familiar: the core wasn’t built for this, and the big replacement projects take too long.

  • Losing Deals on Speed

    Private lenders close investor and bridge loans while your file is still waiting on its next committee step.

  • A Commercial Module Bolted On

    Your core does deposits beautifully. Commercial and CRE lending get a module that was never really built for them.

  • Examiners Want Consistency

    Every file needs the same documentation, the same approvals and a history you can show, without someone rebuilding it by hand.

  • Vendor Review for Every Tool

    Each new point solution means another vendor-risk review, another login and another place your data lives.

  • Projects That Never Go Live

    Big implementations can run for quarters before a single loan closes, and the requirements change before they finish.

  • Brokers & Borrowers in Email

    Your broker partners and borrowers send applications and documents by email, outside any system your examiners can see.
Case Study: Cross River Bank

Where a larger provider fell short, we delivered

After 12 months and substantial investment with a much larger LOS provider, Cross River Bank’s CRE platform was behind schedule and missing requirements. They brought the project to LendingWise.

in assets under management at Cross River Bank
$12B+
spent with the previous LOS provider, behind schedule
12 months
for LendingWise to deliver a fully customized CRE platform
8 months

What we built for Cross River

  • Unique Fields for CRE Lending

    Tailored data fields specific to CRE lending, so Cross River captures and analyzes everything its commercial real estate deals need.

  • Index-Based Calculations

    Complex calculations tied to various financial indexes, for precise analysis, decision-making and flexible loan structures.

  • CRE Property Cash-Flow Analysis

    Custom fields for detailed cash-flow analysis on CRE properties, essential to assessing the viability of each deal.

  • Granular Permissions by Stage

    Control over which screens and fields each user can access at each stage, separating application data entered by borrowers, brokers and loan officers from back-office processing and underwriting.

  • Custom Document Generation

    Custom documents for credit memos, deal sizers, term sheets and other key documents.

Today Cross River’s whole team, from sales to back office, and its brokers and borrowers use the white-labeled platform, and we still meet regularly with their IT team and end users for updates. Read the full case study.

Working Software, Not a Multi-Year Project

LendingWise vs traditional enterprise software

Enterprise software covers everything a bank does. LendingWise is built for one job: running your commercial and CRE lending, end to end, connected to your core.

LendingWise compared with traditional enterprise lending software
LendingWiseTraditional Enterprise SoftwareFinastra, Fiserv, nCino
Time to working softwareWorks out of the box; teams are up and running in days, unique customizations in 2–4 weeksLong, multi-phase implementation projects
Built aroundCommercial, CRE, bridge, construction & business-purpose loansBroad banking suites covering many products
Custom modulesBuilt to your requirements, like Cross River Bank’s CRE platformCustomization through lengthy change-request projects
Banking core integrationBi-directional: your core pushes data in through our Open API, and webhooks send loan, payment and status changes backStrongest inside the vendor’s own ecosystem
Broker & borrower portalsWhite-labeled on your own domainVaries by product and add-on
Draws, servicing & capitalPart of the same platformOften separate modules or systems
ContractsMonth-to-month, with quarterly or annual optionsMulti-year enterprise agreements
Try before you buy15-day free trialSales-led evaluation

Built for how banks lend

Brokers & Borrowers

Bring brokers and borrowers into a system you control.

When applications and documents arrive by email, nothing is consistent and nothing is on the record. Give your broker partners and borrowers white-labeled applications and portals, and every submission lands on the loan file under your brand.

  • Under your brand: the entire application on your own domain, with every email from your domain
  • Separated by role: front-end application data kept apart from back-office processing and underwriting
  • Result: cleaner submissions, faster decisions, and partners who see a modern bank
Examiner-Ready Files

Every file built the same way, with a history you can show.

Examiners expect consistent documentation and a clear record of who decided what. Required docs, workflows, credit decisions and conditions live on every loan, and every change is captured with who made it and when.

  • Consistency: required docs, workflow steps and guidelines set per program
  • Accountability: credit memos, decisions with conditions, exceptions and per-field history on the file
  • Result: the same complete, documented file for every review
Two-Way Core Integration

Connected to your banking core, in both directions.

You don’t need to replace your core to modernize commercial lending. LendingWise runs beside it and keeps it in sync: your core pushes data in, and every change that matters on the loan flows back out, with no re-keying in either direction. It runs on AWS with security aligned to SOC 2 & PCI compliance.

  • Into LendingWise: our Open API supports full create, read, update and delete on loans, borrowers, documents, properties and tasks
  • Back to your core: webhooks fire on stage changes, document uploads and payments, so funded loans and payments reach your core
  • Built with your IT team: custom integration work where your core needs it, as with Cross River Bank’s banking products
  • Result: one lending platform, in sync with your core, that your vendor-risk team reviews once

From application to payoff

The rest of the commercial lending lifecycle, on the same platform.

  • Credit Decisions & Conditions

    Credit memo, credit decision with conditions, and adverse action notices, all recorded on the loan.

  • Exceptions Management

    Request, review and approve exceptions to your guidelines on the loan, with who approved what and why recorded on the file.

  • Roles & Permissions

    Control exactly what every role can see and do, from back office to broker.

  • Immutable Double-Entry Ledger

    Every number on the loan is derived from a double-entry ledger that can’t be edited after the fact, so balances always tie out.

  • Borrower Draw Requests

    Borrowers request draws line item by line item through a web form, with photos and docs.

  • AI Agents & MCP

    Put AI agents to work on your loans, and connect AI assistants to your data through our MCP server.
Banks on LendingWise

In Cross River Bank’s words

  • “LendingWise delivered a robust, secure, cloud-based platform that perfectly aligns with our CRE lending requirements. Our entire team, from sales to back office, and even our external partners like brokers and borrowers, seamlessly use our white-labeled digital lending platform, which integrates effortlessly with our existing Cross River banking products. Great job LendingWise Team!”

    Jaime FinkelsteinHead of Operation, Cross River Bank
    Review Case Study

Bank lending software FAQ

How long does implementation take?
The platform works out of the box, and with basic training your team can be up and running in days. Detailed configurations take several weeks of training, and unique customizations typically take 2–4 weeks depending on complexity. For Cross River Bank, we delivered a fully customized CRE lending platform within eight months, after a previous provider had spent 12 months and fallen behind schedule.
How secure is our data?
We work with large institutions with strict vendor requirements, and we are aligned with SOC 2 & PCI compliance. The application is hosted 100% on AWS, and your data is encrypted and backed up daily. Visit our Trust Center for details.
Will it integrate with our core banking system?
Yes, in both directions. LendingWise runs beside your core, not instead of it. Data flows in through our Open API, which supports full create, read, update and delete on loans, borrowers, documents, properties, tasks and more, so your core and other systems can create and update loans directly. Data flows back out through webhooks that fire on stage changes, document uploads and payments, so funded loans, payments and statuses reach your core without re-keying. Where your core needs something specific, we build the integration with your IT team, as we did for Cross River Bank, whose platform integrates with its existing banking products.
Do we have to replace our core to use LendingWise?
No. Your core stays the system of record for deposits and accounts. LendingWise handles commercial and CRE lending from application to payoff and keeps your core in sync through its two-way integration.
Can you build modules we need that don’t exist yet?
Yes. For Cross River Bank we built custom CRE fields, index-based calculations, property cash-flow analysis, granular permissions by loan stage and custom document generation, and we continue to meet with their IT team and end users for updates.
Can brokers and borrowers use it under our brand?
Yes. Our white-label option runs the entire application on your own domain, like app.yourdomain.com, sends every email from your domain, and removes the “Fueled by LendingWise” logo.

Built for every seat in lending

See LendingWise with your own loan programs

Book a demo and we’ll walk your commercial lending team through it.

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