Converge keeps both answers current as the file evolves — with every fact, finding, and action traced back to source evidence.
One reconciled view of the borrower, entity, collateral & terms.
The risks, conflicts & exceptions that need a human.
A loan file does not become decision-ready the moment documents arrive. Each new document can clarify one issue, contradict another source, or reveal something still missing. That creates a constant loop of collection, reconciliation, follow-up, and judgment. Converge keeps that source of truth current as the evidence evolves.
Get the facts wrong and every finding on top is wrong. Facts are the foundation — everything rests here.
A clean guarantor name is a fact. A missing guarantor is a finding. Converge applies your credit policy to a loan and raises what a human needs to act on — with the severity, rationale, and evidence beneath it.
D. Wren is the 70% managing member. Policy requires a personal guarantee from every owner above 50%. None is on file.
Built on sourced facts, every finding is defensible by construction — and the risk that slips past a tired analyst on file forty doesn't slip past here.
Converge is built so that every fact, finding, and action carries its source evidence with it. Teams can see what the system concluded, why it mattered, and where the answer came from.
A decision you can't explain is a liability. Converge explains every one — down to the page that committees, auditors, and loan buyers will ask about.
Your LOS stores the answer after a human decides. A foundation model reasons through one question at a time. Neither holds the reasoning behind a loan as it evolves. Converge does.
An LOS records what you decided. A model answers a question. Converge forms and holds the reasoning — and it compounds with every file.
Built to sit inside an institutional lender's environment — encrypted, isolated, access-controlled, and integrated with what you already run.
AES-256 at rest, TLS 1.2+ in transit.
A dedicated schema per tenant.
Signed-token RBAC, scoped to every role.
No training on your data. Never extractable.
SOC 2 Type II in progress.
Connects to your existing tech stack.