Commercial Lending Engine · Powered by AgentCommandSM

Hi. I'm Praxent's Commercial Lending Engine.

We take your bank's commercial lending processes and turn them into custom, governed agents, so your lenders close more loans with the same team.

Lenders who build with Praxent

Built by the team behind the #1 SBA lender in the US.

Built by the team behind the #1 SBA lender in the US.

Built by the team behind the #1 SBA lender in the US.

Built by the team behind the #1 SBA lender in the US.
Built by the team behind the #1 SBA lender in the US.
#1
SBA lender in the US
$30B+
in capital deployed to 275K+ small businesses
$3T+
in assets managed
25+
years in financial services
SOC 2
Type II
What changes for your lenders

Close more loans with the team you [i]have.[/i]

Close more loans with the team you [i]have.[/i]

Close more loans with the team you [i]have.[/i]

Close more loans with the team you [i]have.[/i]
Close more loans with the team you [i]have.[/i]
Outcome 01

Win more of the right loans with faster decisions.

Win more of the right loans with faster decisions.

Win more of the right loans with faster decisions.

Win more of the right loans with faster decisions.
Win more of the right loans with faster decisions.

Agents keep every file moving, so your borrowers get an answer while other banks are still chasing documents.

3x
faster funding than the industry SBA average
Outcome 02

Underwrite faster, with every figure tied to its source.

Underwrite faster, with every figure tied to its source.

Underwrite faster, with every figure tied to its source.

Underwrite faster, with every figure tied to its source.
Underwrite faster, with every figure tied to its source.

Agents spread financials on arrival and draft the credit memo, so your underwriters spend their time on the credit decision.

67%
faster underwriting
Outcome 03

Grow your lending business without growing headcount.

Grow your lending business without growing headcount.

Grow your lending business without growing headcount.

Grow your lending business without growing headcount.
Grow your lending business without growing headcount.

Agents carry the routine work across the pipeline, so each lender can handle more deals with the same hours.

60+
agents in production

*Results from Praxent clients.

Works with your systems

The engine sits on top of your core, loan origination system and [i]CRM.[/i]

The engine sits on top of your core, loan origination system and [i]CRM.[/i]

The engine sits on top of your core, loan origination system and [i]CRM.[/i]

The engine sits on top of your core, loan origination system and [i]CRM.[/i]
The engine sits on top of your core, loan origination system and [i]CRM.[/i]

Your lenders keep the systems they know. Agents read from them, and anything they write back waits for a person to approve it.

See it work

Watch the engine work a commercial loan from documents to [i]approval.[/i]

Watch the engine work a commercial loan from documents to [i]approval.[/i]

Watch the engine work a commercial loan from documents to [i]approval.[/i]

Watch the engine work a commercial loan from documents to [i]approval.[/i]
Watch the engine work a commercial loan from documents to [i]approval.[/i]
Meet the agents

Agents work the pipeline, and your lenders approve every [i]decision.[/i]

Agents work the pipeline, and your lenders approve every [i]decision.[/i]

Agents work the pipeline, and your lenders approve every [i]decision.[/i]

Agents work the pipeline, and your lenders approve every [i]decision.[/i]
Agents work the pipeline, and your lenders approve every [i]decision.[/i]

Agents gather documents, spread financials, draft credit memos, cross-check wires and catch exceptions before closing. Each one is built on your bank's own process, policies and templates.

Agent 01 · Documents

Gathers every document as it arrives.

Gathers every document as it arrives.

Gathers every document as it arrives.

Gathers every document as it arrives.
Gathers every document as it arrives.

The agent reads each file that lands in the loan folder, checks it against your list and requests missing documents from the borrower. Nobody tracks documents in a spreadsheet again.

Files reach underwriting complete and sooner.

Agent 02 · Spreading

Spreads financials the moment they land.

Spreads financials the moment they land.

Spreads financials the moment they land.

Spreads financials the moment they land.
Spreads financials the moment they land.

The agent pulls revenue, cash flow and debt from tax returns and statements into your spread template, then calculates DSCR and leverage against your credit policy.

Underwriters start with the analysis done.

Agent 03 · Credit memo

Drafts the credit memo in your format.

Drafts the credit memo in your format.

Drafts the credit memo in your format.

Drafts the credit memo in your format.
Drafts the credit memo in your format.

The agent writes the loan committee memo from your template, with every figure linked to the document it came from. Your lender reviews, edits and approves it.

Committee-ready memos in a fraction of the time.

Agent 04 · Wire check

Cross-checks every wire before it goes out.

Cross-checks every wire before it goes out.

Cross-checks every wire before it goes out.

Cross-checks every wire before it goes out.
Cross-checks every wire before it goes out.

The agent compares the wire request with the title company's wiring instructions and settlement statement: the amount to the cent, file number, routing and account numbers, beneficiary and property. It never releases a wire. Your team does.

Wire errors caught before the money moves.

Agent 05 · Quality and exceptions

Catches exceptions before closing.

Catches exceptions before closing.

Catches exceptions before closing.

Catches exceptions before closing.
Catches exceptions before closing.

The agent checks names, amounts, dates and addresses across every document in the file, so the typos that sink closings get fixed while there's still time.

Clean closings and fewer last-minute delays.

Command center · Your lenders

Watch the agents work the pipeline and approve every decision.

Watch the agents work the pipeline and approve every decision.

Watch the agents work the pipeline and approve every decision.

Watch the agents work the pipeline and approve every decision.
Watch the agents work the pipeline and approve every decision.

Lenders see the agents working the pipeline in a dashboard and approve every decision. Each approval shows the inputs, sources and confidence behind it.

Lenders spend their day on borrowers and credit calls.

Why ownership matters

Stop teaching your competitors how to lend like [i]you.[/i]

Stop teaching your competitors how to lend like [i]you.[/i]

Stop teaching your competitors how to lend like [i]you.[/i]

Stop teaching your competitors how to lend like [i]you.[/i]
Stop teaching your competitors how to lend like [i]you.[/i]
The goal
You want AI to keep pace with competitors, without making your lending operations interchangeable with everyone else's.
The risk
Software vendors absorb the lending expertise you feed their AI, then sell that improved technology to your competitors.
Your engine
The Commercial Lending Engine keeps your intelligence, context and continuous improvements proprietary.

Software vendors

Software vendors

Software vendors

Software vendors
Software vendors
Vendor owns the agents

Your expertise trains their product.

Your expertise trains their product.

Your expertise trains their product.

Your expertise trains their product.
Your expertise trains their product.

Every file you process improves a vendor's model. They sell it to your competitors at full price.

Your bank on AgentCommand[sm]

Your bank on AgentCommand[sm]

Your bank on AgentCommand[sm]

Your bank on AgentCommand[sm]
Your bank on AgentCommand[sm]
You own the agents

Your expertise compounds for you.

Your expertise compounds for you.

Your expertise compounds for you.

Your expertise compounds for you.
Your expertise compounds for you.

Every decision stays in engines you own, in your cloud. The advantage builds every quarter, and nobody else gets it.

The benefits · Why banks choose the engine

Turn decades of lending expertise into proprietary agents, with every loan building intelligence your competitors can't [i]buy.[/i]

Turn decades of lending expertise into proprietary agents, with every loan building intelligence your competitors can't [i]buy.[/i]

Turn decades of lending expertise into proprietary agents, with every loan building intelligence your competitors can't [i]buy.[/i]

Turn decades of lending expertise into proprietary agents, with every loan building intelligence your competitors can't [i]buy.[/i]
Turn decades of lending expertise into proprietary agents, with every loan building intelligence your competitors can't [i]buy.[/i]
01

Lending growth

Lending growth

Lending growth

Lending growth
Lending growth

Borrowers choose the lender who replies first. Faster decisions win more of the right loans, and every loan you win grows your net interest income.

02

Proprietary agents

Proprietary agents

Proprietary agents

Proprietary agents
Proprietary agents

Turn decades of your institutional lending expertise into proprietary agents that enable you to decouple lending growth from underwriter headcount.

03

Compounding competitive value

Compounding competitive value

Compounding competitive value

Compounding competitive value
Compounding competitive value

Every lending decision makes your bank smarter, creating advantage your competitors can't buy.

Loan types

Built for every loan in your commercial [i]book.[/i]

Built for every loan in your commercial [i]book.[/i]

Built for every loan in your commercial [i]book.[/i]

Built for every loan in your commercial [i]book.[/i]
Built for every loan in your commercial [i]book.[/i]

Each loan type gets agents shaped to its own documents, policy checks and closing conditions.

Owner-occupied CRE

Owner-occupied CRE

Owner-occupied CRE

Owner-occupied CRE
Owner-occupied CRE

Rent rolls, appraisals, environmental reports and DSCR against your CRE policy.

Investor CRE

Investor CRE

Investor CRE

Investor CRE
Investor CRE

Rent rolls, leases, global cash flow and concentration limits.

Multifamily

Multifamily

Multifamily

Multifamily
Multifamily

Unit mix, rent rolls, operating statements and debt yield against policy.

Construction

Construction

Construction

Construction
Construction

Budgets, draw schedules, inspections and completion risk.

C&I term loans

C&I term loans

C&I term loans

C&I term loans
C&I term loans

Business tax returns, interim financials, covenants and guarantor support.

Lines of credit

Lines of credit

Lines of credit

Lines of credit
Lines of credit

Borrowing base certificates, AR aging and annual renewals.

Equipment finance

Equipment finance

Equipment finance

Equipment finance
Equipment finance

Invoices, titles, UCC filings and collateral values.

SBA 7(a)

SBA 7(a)

SBA 7(a)

SBA 7(a)
SBA 7(a)

Eligibility, SBA forms, credit elsewhere tests and the full E-Tran package.

SBA 504

SBA 504

SBA 504

SBA 504
SBA 504

CDC coordination, interim financing, appraisal and the debenture closing.

Agricultural

Agricultural

Agricultural

Agricultural
Agricultural

Production records, crop insurance, farmland collateral and seasonal cash flow.

Powered by AgentCommand[sm]

Start with commercial credit and extend to any financial [i]workflow.[/i]

Start with commercial credit and extend to any financial [i]workflow.[/i]

Start with commercial credit and extend to any financial [i]workflow.[/i]

Start with commercial credit and extend to any financial [i]workflow.[/i]
Start with commercial credit and extend to any financial [i]workflow.[/i]

The Commercial Lending Engine runs on AgentCommand[sm], Praxent's agent accelerator. AgentCommand[sm] can be extended to add new engines and power any financial workflow your institution wants to tackle.

Commercial Lending Engine

Mortgage Lending Engine

Consumer Lending Engine

Auto Lending Engine

Collections and Recoveries Engine

Deposit Operations Engine

Treasury Operations Engine

BSA/AML Engine

Lending case study

60 agents in production for the [i]#1 SBA loan facilitator.[/i]

60 agents in production for the [i]#1 SBA loan facilitator.[/i]

60 agents in production for the [i]#1 SBA loan facilitator.[/i]

60 agents in production for the [i]#1 SBA loan facilitator.[/i]
60 agents in production for the [i]#1 SBA loan facilitator.[/i]

NEWITY partnered with Praxent to build their SBA and small business loan platform from the ground up. With a hyper focus on speed to fund and getting agents into production, in 2025 NEWITY ranked as the #1 SBA loan facilitator in the country.

60+
Agents live in production
3x
Faster funding than the industry average
67%
Faster underwriting
85%
Loan-origination conversion after pre-qual
Read the full case study →
Aerial view of agricultural land with segmented fields, green patches, rows of planted trees, and a winding road crossing the landscape.

We can take your bank's processes and create a prototype of the flow the same week.

We can take your bank's processes and create a prototype of the flow the same week.

We can take your bank's processes and create a prototype of the flow the same week.

We can take your bank's processes and create a prototype of the flow the same week.
We can take your bank's processes and create a prototype of the flow the same week.
For lending, risk and technology leaders

Your team governs every decision, and it all runs in your [i]cloud.[/i]

Your team governs every decision, and it all runs in your [i]cloud.[/i]

Your team governs every decision, and it all runs in your [i]cloud.[/i]

Your team governs every decision, and it all runs in your [i]cloud.[/i]
Your team governs every decision, and it all runs in your [i]cloud.[/i]
Human-in-the-loop and audit-ready

Agents suggest and your team approves.

Agents suggest and your team approves.

Agents suggest and your team approves.

Agents suggest and your team approves.
Agents suggest and your team approves.

Nothing is auto-approved below 0.90 confidence, and every step is logged with its inputs, sources, model, confidence, rule and approver, which also gives you a head start on model-risk documentation.

01 · Agent

Suggests the action

02 · Policy

Below 0.90 confidence goes to a person

03 · Your team

Approves, edits or rejects

Example decision record
Inputs
Form 1120-S 2025, rent roll, appraisal
Sources
Page 1 line 1a, page 4 Schedule L
Model
Claude via Azure AI Foundry
Confidence
0.86, below threshold
Rule
CRE policy 4.2 · DSCR ≥ 1.25x
Approver
Dana Ruiz, Senior Credit Officer
The technical details

Your subscription, your code, your decision records.

Your subscription, your code, your decision records.

Your subscription, your code, your decision records.

Your subscription, your code, your decision records.
Your subscription, your code, your decision records.
Where it sits
Sits on top of the core, the loan origination system and the CRM.
Where it runs
Runs your model of choice (e.g. Claude) through your managed cloud AI platform (e.g. Azure AI Foundry), in the bank's own cloud environment (e.g. Azure).
Who owns it
The bank owns the IP, including the code, the agents and every decision record, and can extend it to more operational workflows as it goes.
Model access

Claude through your existing Azure AI Foundry resource

Identity

OpenID Connect, tested with Entra ID

Audit

Append-only event log with tamper-resistant tables

Observability

OpenTelemetry to Application Insights

Take it to your team

Share the engine with your credit committee and your [i]CIO.[/i]

Share the engine with your credit committee and your [i]CIO.[/i]

Share the engine with your credit committee and your [i]CIO.[/i]

Share the engine with your credit committee and your [i]CIO.[/i]
Share the engine with your credit committee and your [i]CIO.[/i]
Commercial Lending Engine one-pager preview
One-pager · PDF

Commercial Lending Engine one-pager

Commercial Lending Engine one-pager

Commercial Lending Engine one-pager

Commercial Lending Engine one-pager
Commercial Lending Engine one-pager

What it does, the outcomes for your lenders and the NEWITY proof, on one page for your next leadership meeting.

AgentCommand tech specs preview
Technical overview · PDF

AgentCommand[sm] tech specs

AgentCommand[sm] tech specs

AgentCommand[sm] tech specs

AgentCommand[sm] tech specs
AgentCommand[sm] tech specs

Architecture, deployment, approval policies, audit tables and model access, for your CIO, head of AI and security team.

Dec 16
Live webinar

Agentic commercial lending strategy for 2027

Agentic commercial lending strategy for 2027

Agentic commercial lending strategy for 2027

Agentic commercial lending strategy for 2027
Agentic commercial lending strategy for 2027

Where agents fit in commercial credit, what your bank should own and how to start. We'll also show the Commercial Lending Engine working a commercial loan, live.