Scale your loan book,
not your payroll.
Automate the busy work. Let your underwriters focus on the decisions that actually generate yield.
The Bottleneck:
Your team spends most of its day collecting documents and typing numbers into spreadsheets. That is not scaling. That is hiring admin.
The ROX Solution:
ROX handles data ingestion, verification, and memo prep automatically, so your underwriters focus on credit strategy instead of data entry.
Automated underwriting software for commercial lenders ingests and verifies applicant data, builds a standardized credit memo, and monitors the borrower after close. ROX runs the busy work so your underwriters spend their time on credit strategy, not data entry.
THE DIFFERENTIATOR
Consistent decisions across every underwriter
The hardest part of underwriting is not the first decision. It is making the same quality decision every time, across every underwriter, on every file. ROX standardizes the inputs and the memo so your decisioning is consistent day to day and person to person.
MONITOR THE BOOK
Monitor the book, not just the application
Approval is the start, not the finish.
- 01
Set a cadence
Choose how often ROX re-checks each borrower on your book.
- 02
ROX re-checks
AR aging, financial trends, and public-record changes, between reviews instead of once a year.
- 03
Flags the movers
Borrowers moving the wrong way surface early, so you act before a problem becomes a loss.
From decision to documents
The decision and the paperwork live in one place.
- 01
Generate the memo
A standardized credit memo, assembled from the verified data, ready for committee.
- 02
Send for signature
Send the LOI or term sheet for e-signature without leaving the file.
- 03
Auto-file the docs
Every signed document saves back to the file automatically.
SEE IT IN ACTION
From application to credit memo in one pass
60-second walkthrough to be recorded
Lara to record a Supademo for “From application to credit memo in one pass”. Drop the embed ID into this page and the iframe renders in place of this card.
ONE FILE, EVERY SOURCE
Every check in one place
ROX pulls every source into one color-coded view, so an underwriter sees risk at a glance.
Secretary of State
Entity status, good standing, and registered agent.
LexisNexis
Identity, KYB, and background in one pull.
UCC search
Existing liens and filings surfaced up front.
Credit insights
Business and owner credit signals.
Plaid bank data
Verified bank activity and cash-flow trends.
AR aging & financials
Receivable health and financial trends.
PLUGS INTO HOW YOU WORK
Plugs into how you already lend
Pull from your data sources, generate the memo, and push signed documents through DocuSign back into the file. ROX is built for teams running a handful of complex packages a month, not a high-volume consumer desk.
Thank God for ROX. You saved me from onboarding a fraudulent client.
FAQ
Lender underwriting, answered
It is software that ingests and verifies applicant data, builds a standardized credit memo, and monitors the borrower after close. ROX runs the busy work so your underwriters spend their time on credit strategy instead of data entry.
ROX standardizes the inputs and the memo, so every file is evaluated against the same criteria in the same format. Your decisioning stays consistent day to day and person to person.
Yes. ROX assembles a standardized credit memo from the verified data, ready for committee, and lets you send the LOI or term sheet for signature without leaving the file.
Yes. Set a cadence and ROX re-checks AR aging, financial trends, and public-record changes on your existing borrowers, then flags the ones moving the wrong way.
Secretary of State, identity and background, UCC, credit insights, verified bank data, and AR aging and financials, all in one color-coded view.
Underwrite consistently. Scale without hiring admin.
Get started free with three free applications. No credit card required, no long-term commitment.