Agents keep every file moving, so your borrowers get an answer while other banks are still chasing documents.
Agents spread financials on arrival and draft the credit memo, so your underwriters spend their time on the credit decision.
Agents carry the routine work across the pipeline, so each lender can handle more deals with the same hours.
*Results from Praxent clients.
Your lenders keep the systems they know. Agents read from them, and anything they write back waits for a person to approve it.
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.
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.
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.
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.
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.
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.
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.
Every file you process improves a vendor's model. They sell it to your competitors at full price.
Every decision stays in engines you own, in your cloud. The advantage builds every quarter, and nobody else gets it.

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.

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

Every lending decision makes your bank smarter, creating advantage your competitors can't buy.
Each loan type gets agents shaped to its own documents, policy checks and closing conditions.
Rent rolls, appraisals, environmental reports and DSCR against your CRE policy.
Rent rolls, leases, global cash flow and concentration limits.
Unit mix, rent rolls, operating statements and debt yield against policy.
Budgets, draw schedules, inspections and completion risk.
Business tax returns, interim financials, covenants and guarantor support.
Borrowing base certificates, AR aging and annual renewals.
Invoices, titles, UCC filings and collateral values.
Eligibility, SBA forms, credit elsewhere tests and the full E-Tran package.
CDC coordination, interim financing, appraisal and the debenture closing.
Production records, crop insurance, farmland collateral and seasonal cash flow.
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
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.

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.
Suggests the action
Below 0.90 confidence goes to a person
Approves, edits or rejects
Claude through your existing Azure AI Foundry resource
OpenID Connect, tested with Entra ID
Append-only event log with tamper-resistant tables
OpenTelemetry to Application Insights

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

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