Product  /  The agents

Specialist credit agents.
One shared source of truth.

Each Converge agent performs a specialist review on every file the moment it lands — with its reasoning shown and its sources attached.

Deal: Larkfield Holdings LLC Active
Intelligent Document Processing 142 docs
Entity Review 1 finding
Background Review clear
! Risk Intelligence 2 high
Comps Analysis −4% vs ask
One shared foundation facts · findings · audit trail
01  /  How it fits together

Every review runs on one shared understanding of the file.

As documents arrive, Converge maintains a single, sourced set of facts about the loan. Every review agent works from that same foundation — so entity review, background, comps, risk intelligence, and Concierge are never working from different versions of the truth. One file, continuously reconciled, with every conclusion tied back to evidence.

Appraisal report
Operating agreement
Bank statements
Credit & background
One shared layer
The facts of the file
Continuously reconciled · fully sourced
Entity Review Background Review Comps Analysis Risk Intelligence Concierge
02  /  What runs on every file

The reviews your team does by hand, run the moment a file lands.

Each one reads the documents, forms its findings, and shows you exactly where every conclusion came from.

01

Intelligent Document Processing

Classifies, extracts, and reconciles every document — the work a processor does today, with nothing re-keyed.

142 documents · structured & sourced
02

Entity Review

Maps ownership, control, signing authority, and guarantor requirements — catching structural gaps before legal review.

Ownership resolved · 1 finding
03

Background Review

Screens borrowers, guarantors, and principals for liens, litigation, bankruptcies, and related-party risk.

4 parties screened · clear
04

Comps Analysis

Produces an early, independent valuation read from relevant property comps — before the appraisal comes back.

Indicative value · −4% vs ask
03  /  And because it understands the whole file

Two things only possible when you see the whole loan at once.

The risk your guidelines don't encode

Risk Intelligence

Surfacing risk across collateral, parties, and structure usually depends on a senior underwriter holding the whole file in their head — so it happens unevenly, and not on every deal. Because every review runs on one shared understanding of the file, Converge does it on all of them: the composite risks your credit box was never written to catch, surfaced consistently, with the kind of judgment a senior underwriter brings.

Collateral · concentration
Guarantor · liquidity
Structure · subordination
! Composite risk surfaced — no single document shows it
The whole file, on call

Concierge

Ask anything about a file in plain language and get an answer with its source attached. No digging, no re-reading.

Who's the guarantor, and is the guarantee on file?
D. Wren (70% owner). No personal guarantee is on file.Operating Agreement · p.4 §2.1
04  /  Coverage keeps deepening

More of the file, already in build.

Converge is extending into more of the loan file, so more of every review runs the moment the documents arrive.

Appraisal & ValuationSoon Title & InsuranceSoon Borrower Liquidity AnalysisSoon Budget AnalysisSoon Full UnderwritingSoon
05  /  Built to your file

Don't see the review you need? We build it.

Every lender's file is different. If there's a review your team runs that you don't see here, tell us — extending coverage to new parts of the file is what we do.

See the agents run on a live deal.