What lenders expect
Commercial loan applications are evaluated on the quality and completeness of the borrower’s package. Lenders expect:
- Financial statements — income statement, balance sheet, cash flow (2–3 years)
- Tax returns — business and personal (guarantors)
- Debt schedule — existing obligations and maturities
- Management overview — ownership structure, key personnel
- Loan purpose — specific use of proceeds with supporting rationale
- Collateral — description, valuation, lien position
The borrower profile
The Loan Request tab collects structured fields that seed the agent pipeline:
- Business legal name, EIN, state of formation
- Industry classification (NAICS)
- Years in operation
- Requested loan amount, term, and purpose
- Use of proceeds (narrative)
Document upload
Upload financial documents in the Documents tab. Deckr extracts text from PDFs and routes the data to SQL (structured financials), MongoDB (full-text), and Neo4j (entity relationships) automatically.
Ensure financial statements are clearly legible PDFs. Scanned images with low resolution may produce incomplete extractions.
Clearing actions
Three distinct reset/clear actions are available:
| Action | Where | What it does |
|---|
| Clear | Borrower form | Clears the borrower profile fields only |
| Clear workspace | Workspace Explorer | Removes all uploaded files from the workspace |
| Reset Pipeline Data | DevMode panel (?devmode=1) | Resets all pipeline state and outputs |
