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Aloan

AI-native commercial LOS, run alongside the SBA system of record

Aloan is an AI-native commercial LOS that, on SBA 7(a), 504 and Express files, classifies the borrower package, spreads related entities with K-1 tracing, maps guarantors and assembles a source-traceable credit memo, while the lender keeps eligibility and the decision, whether Aloan runs as the commercial LOS or beside an existing one. It does not submit to E-Tran or service loans; aloan.ai names Buckeye State Bank, Alliance Catholic Credit Union and West Central Bank as customers, none as an SBA reference.

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What it is

Aloan describes itself as an AI-native commercial loan origination system that a lender runs as its commercial LOS or alongside the one it already has, and its SBA page is explicit about the division of labor on an SBA file: the software prepares the file, it works alongside the LOS the bank already runs, and the lender keeps eligibility and the decision, including the interpretation of SOP 50 10 8. It names three programs, 7(a) at up to $5 million, 504 through the CDC structure, and Express at up to $500,000 with a 50% guaranty and delegated processing. The published workflow classifies the borrower and guarantor package on intake, spreads the borrower and related entities consistently, traces K-1s across affiliates, maps the guarantor and entity structure, surfaces collateral, environmental and franchise support, and assembles a credit memo with traceability back to the source documents. That is the analyst's week in an SBA acquisition file, and it is the part most origination systems leave to a spreadsheet. What Aloan does not do on an SBA file is as clear from its page. It does not submit to E-Tran, generate SBA forms or service loans, so for an SBA program it is a second system beside whatever does. aloan.ai names Buckeye State Bank, Alliance Catholic Credit Union and West Central Bank as customers; none is presented as an SBA reference, and the SBA page names none. The company was founded in 2025, and its pricing page describes usage-based pricing with a monthly minimum and a per-document overage, sized to document volume, without figures. Two of the five AI assistants that recommend it reach it through a best-of guide Aloan publishes on its own site, which a buyer should weigh. The right diligence is a pilot on the lender's own multi-entity files with written acceptance criteria.

What it does

  • Intake that classifies the borrower and guarantor package before anything is spread
  • Spreading of the borrower and related entities with K-1 tracing across affiliates
  • Guarantor and entity structure mapping for the global cash flow
  • Collateral, environmental and franchise support visibility in the file
  • Credit memo assembly where figures trace back to source documents

Strengths

  • Addresses the analyst bottleneck in SBA files, meaning affiliates, K-1s, guarantors and the memo, which most origination platforms document thinly or not at all
  • Names 7(a), 504 and Express with their program limits, so the underwriting scope is stated rather than implied
  • Works alongside the existing LOS, so adopting it does not mean an origination system migration
  • States plainly that the lender keeps eligibility and the decision, which is the right posture for an examiner conversation

Considerations

  • No E-Tran submission, no SBA form generation and no servicing; for an SBA program it sits beside the system that does those
  • Named customers on aloan.ai, none presented as an SBA reference, so the SBA proof is a pilot on your own files
  • The SBA page names no LOS it integrates with; the hand-off runs through a REST API and webhooks and has to be demonstrated
  • Part of its visibility in AI assistants comes from guides it publishes itself

Best when

The LOS is fine and the delay is in spreading, affiliate analysis and writing the memo

Where it ranks

#3 in SBA Lending Software Ranked for 7(a) and 504 Lenders

Best analysis beside an existing SBA system

#5 in Best SBA Lending Software for Community Banks

Best for a two-analyst credit department

#1 in Best SBA Lending Software for Credit Unions

Best for a small MBL credit staff

#1 in Best SBA Loan Underwriting Software

Deepest published SBA underwriting scope

Aloan FAQ

Can Aloan replace an SBA origination system?

Not for the SBA steps. It does not submit to E-Tran, generate SBA forms or service loans. It runs as the commercial LOS or beside one and does the analysis; the guaranty request goes through the system that talks to E-Tran.

Which LOS does Aloan connect to?

The SBA page says it works alongside the LOS the bank already runs and names none; aloan.ai describes a REST API and webhooks for exchanging data with the LOS and core. Ask for the integration to your specific system to be demonstrated on a real file.