Question 1

What is LoanIntelligence.ai?

Accepted Answer

LoanIntelligence.ai is policy-aligned underwriting intelligence for teams processing real loan packages. Connect Google Drive or the API, bring your credit policy, and receive continuously updated dashboard, PDF, and auditable JSON outputs that surface missing documents, discrepancies, and policy-alignment findings. We do not make credit decisions.

Question 2

How long does processing take?

Accepted Answer

Most loan packages are processed in around 3 minutes on average. Small packages (5-8 docs) typically take 2-3 minutes, medium packages (10-15 docs) take 3-4 minutes, and large packages (20-30 docs) may take 4-6 minutes. Very large packages (30+ docs) may take longer. This replaces 2.5-5 hours of manual work.

Question 3

Can I use LoanIntelligence.ai before my package is complete?

Accepted Answer

Yes—that's part of the value. Unlike traditional underwriting that waits for a complete package, our system provides intelligence from the first document. Upload a loan application on Day 1, get initial borrower and property signals. Add bank statements on Day 3, see financial strength analysis. Each submission updates your dashboard with phase-appropriate intelligence. By the time you reach formal underwriting, you've had visibility the whole way.

Question 4

Is this just OCR or data extraction?

Accepted Answer

No. OCR is only one step. We turn loan packages and your credit policy into review-ready outputs with deterministic calculations, cross-document validation, missing-document visibility, policy-alignment findings, and source-linked audit trails.

Question 5

How does it work?

Accepted Answer

Connect Google Drive and select where intake and processing should happen. Optionally, we can configure a white-glove borrower intake portal so incoming applications land in your selected intake folder. Our engine processes the package and automatically reprocesses on every change event (add, modify, delete), keeping your dashboard and report continuously updated. Every run is evaluated against your active credit policies and includes citations for what passed, what failed, and what needs attention.

Question 6

What types of documents are supported?

Accepted Answer

We support 30+ document types including loan applications, purchase contracts, financial statements, bank statements, tax returns, appraisals, title reports, insurance certificates, and settlement statements. Supported file formats: PDF, Word (DOCX/DOC), Excel (XLSX/XLS), images (PNG/JPG/JPEG), and text files. Both digital and scanned documents work seamlessly.

Question 7

How much does it cost?

Accepted Answer

API Access is $1 per document, so a typical 20-30 document package usually lands around $20-$30. Professional is $1,500/month with 1,500 included documents (75 cents per document effective). Enterprise is $3,500/month with 7,000 included documents (50 cents per document effective). Annual billing saves 20%. Optional Google Drive Processing is +$250/month on subscription plans.

Question 8

What's the difference between API, Professional, and Enterprise?

Accepted Answer

API tier is self-service for developers ($1/document, JSON API). Professional tier offers 25% discounted API access (75¢/document, 1,500 documents/month included) with optional Google Drive Processing add-on (+$250/month). Enterprise tier offers 50% discounted API access (50¢/document, 7,000 documents/month included), higher rate limits, and What-If Simulator for credit policy testing. All tiers are self-service with instant activation.

Question 9

Are there any hidden fees?

Accepted Answer

No. We separate document pricing, optional Google Drive Processing, and credit policy charges so package economics stay understandable. The main point is simple: most teams think in packages, while per-document billing keeps partial submissions and incremental updates fair.

Question 10

Is there a free trial?

Accepted Answer

We don't offer time-limited trials. Instead, all subscriptions include generous welcome credits: API tier gets $25 (25 documents), Professional and Enterprise get $100 (100 documents). Credits let you test with real data—process one complete loan package before paying per use. Card required to prevent abuse. Credits are one-time only (first subscription), and you can cancel anytime.

Question 11

How do welcome credits work?

Accepted Answer

When you subscribe for the first time, you receive one-time welcome credits: $25 for API tier (25 documents), $100 for Professional/Enterprise (100 documents). Credits deplete first before any billing: Credits → Included monthly documents (Professional/Enterprise) → Overage billing. Credits don't expire but are granted only once per account (no duplicate signups). Your dashboard shows remaining credit balance in real-time.

Question 12

How are credit policies billed?

Accepted Answer

Credit policies follow the same per-document rate. Upload or update a policy once, then each package evaluated against that policy is billed per policy applied. Example: processing a 20-document package against 3 policies costs $23 on the API tier ($20 documents + $3 policy evaluations), with subscriber-plan discounts lowering the policy rate as well.

Question 13

What happens if I cancel?

Accepted Answer

Cancel anytime from your dashboard. Subscription plans continue until the end of your billing period with no refunds for partial months. All your data is deleted within 24 hours of cancellation.

Question 14

Is my data secure?

Accepted Answer

Yes. We use zero document retention (ephemeral processing), AES-256-GCM customer-specific encryption with automatic key rotation every processing run, zero-knowledge architecture (we cannot decrypt your data), HTTPS/TLS 1.3 encryption, comprehensive access controls, and carefully selected third-party providers with relevant certifications.

Question 15

Do you store my loan documents?

Accepted Answer

No. Your loan documents are not stored. Processing is ephemeral—documents are deleted immediately after generating your intelligence report. Our AI cache (for cost optimization) stores only encrypted structured outputs using your customer-specific keys—never your original documents. Zero document retention.

Question 16

Is my data used for AI training?

Accepted Answer

No. Absolutely not. We NEVER use your documents or extracted data for AI model training. Your documents are processed solely to generate your intelligence report and are immediately deleted. Our encrypted AI cache (for cost optimization) is customer-isolated and encrypted with your keys—never used for training, analytics, or any other purpose.

Question 17

How long do you retain data?

Accepted Answer

Your documents: 0 days (ephemeral processing). Encrypted AI cache: 7 days (customer-isolated, AES-256-GCM encrypted with your keys). Account info: until deletion. API usage logs: 12 months (counts only, no content). Error logs: 30 days max (no document content). OAuth tokens: until revoked. AI training: Never.

Question 18

Is this GDPR and CCPA compliant?

Accepted Answer

Yes. Zero document retention architecture ensures compliance. We are the data processor, you are the data controller. GDPR rights to access, deletion, and portability are supported. We do not sell personal information (CCPA compliant). Data Processing Agreements available for Professional/Enterprise tiers.

Question 19

How accurate is the system?

Accepted Answer

Our internal validation has shown high accuracy across extensive real and synthetic loan-package testing. We do not guarantee perfect accuracy in production because real-world documents vary. Our system is production-ready and highly accurate with multi-layer validation, authority-based ranking, and complete audit trails. Always verify extracted data before financial decisions.

Question 20

Can I verify the results?

Accepted Answer

Yes. Complete audit trails show the source document, page number, confidence score (85-100% typical), corrections applied with reasoning, and authority level for every extracted field. Cross-reference any value against source documents instantly.

Question 21

What if there are errors?

Accepted Answer

Every field includes an audit trail showing the source document, confidence score, reasoning, and any corrections applied. You can trace errors back to source documents and understand why the system extracted that value. Contact support for recurring issues—we continuously improve based on feedback.

Question 22

What if documents are scanned or poor quality?

Accepted Answer

Our hybrid OCR handles scanned documents automatically. If OCR produces sparse results (<30% completeness), the system re-extracts using AI vision models. Vision-based extraction is 106x more effective for image-based PDFs. Most scanned documents process without issues.

Question 23

How do I integrate the API?

Accepted Answer

Simple: 1) Sign up via Stripe, 2) Get API key from dashboard, 3) POST documents to /api/v1/process endpoint, 4) Receive JSON response with structured data. Full API documentation available after signup.

Question 24

What format is the output?

Accepted Answer

Primary output is auditable JSON with structured borrower, property, loan, calculation, discrepancy, and policy-alignment data. PDF reports are available for review workflows, and Google Sheets synchronization is available on Professional and Enterprise workflow plans.

Question 25

Do you support Google Drive integration?

Accepted Answer

Yes, on Professional and Enterprise tiers. You select the Drive folders for intake and processing, then we monitor for change events. When documents are added, modified, or deleted, the package is automatically reprocessed and your dashboard/report outputs are refreshed. Your team stays in Google Drive while the intelligence layer runs continuously.

Question 26

What happens when files are added, changed, or deleted?

Accepted Answer

Each change triggers reprocessing of the loan package. The engine reevaluates the latest document set against your active credit policies and updates the dashboard/report so your team always sees current compliance status, gaps, and citations.

Question 27

What if I change one document in a 20-document loan package?

Accepted Answer

The package is reevaluated so your outputs stay current, but unchanged files are skipped when their content hash matches what was already processed. In practical billing terms, changing one document does not mean rebilling all 20 unchanged files. The incremental update is billed for the document work that actually changed, plus any active credit policy units applied to that package on the account.

Question 28

Can you support borrower intake workflows too?

Accepted Answer

Yes. We support lender-branded intake workflows where applications are routed into your selected Drive intake folder, then automatically enter processing. This gives you one continuous flow from intake to policy-compliance intelligence.

Question 29

Can I export to my existing systems?

Accepted Answer

Yes. JSON output integrates easily with Loan Origination Systems, underwriting platforms, CRM systems, data warehouses, and custom applications. Enterprise tier includes custom integration support.

Question 30

What's the uptime/SLA?

Accepted Answer

API tier: best effort (no SLA). Professional tier: 99.5% uptime SLA. Enterprise tier: 99.9% uptime guarantee with 24/7 incident response. SLA credits applied if we fall below guarantee.

Question 31

Does LoanIntelligence.ai make credit or lending decisions?

Accepted Answer

No. LoanIntelligence.ai does not make lending decisions, determine loan outcomes, or replace your underwriters. You bring your own credit policy; we provide policy-alignment findings, calculations, and evidence so your team can review and decide.

Question 32

Can I apply my own credit policy to loans?

Accepted Answer

Yes. Bring your own credit policy and we extract the relevant criteria (for example LTV, DSCR, FICO, eligibility, and exclusions). Every processing run evaluates the package against your active policies and returns alignment status, gaps, and citations. In short: your policy, your criteria, continuously applied as the package evolves.

Question 33

What data do you extract?

Accepted Answer

Complete loan package data: Borrower info (entity, names, credit, net worth, liquidity), Property info (address, type, value, rent roll, taxes), Loan info (amount, rate, term, transaction type), Financial metrics (DSCR, LTV, P&I, monthly costs), Contact info (all parties), and Document checklist (25+ items).

Question 34

What underwriting intelligence do you provide?

Accepted Answer

Every package includes review signals across credit, collateral, liquidity, and documentation, plus deterministic financial calculations and policy-alignment status against your criteria with citations. Output is informational only. Lending decisions remain with your team.

Question 35

Do you calculate DSCR, LTV, and other metrics?

Accepted Answer

Yes. Financial calculations are deterministic (zero AI) using Excel-compatible formulas: DSCR (monthlyRent / total costs), LTV (loanAmount / appraisalValue × 100), P&I (PMT formula), and monthly conversions. All calculations auditable with step-by-step logs.

Question 36

Can you handle multi-property packages?

Accepted Answer

Yes. Our system uses intelligent property scoring (document count, transaction value, address completeness, appraisal presence, property-specific docs) to identify the subject property vs reference properties. Example: correctly identified 14.1M loan from package containing both 14.1M and 900K properties.

Question 37

What about scanned documents and e-signatures?

Accepted Answer

Fully supported. Hybrid processing detects scanned documents, handles e-signatures (DocuSign, Adobe Sign), uses vision re-extraction for sparse OCR results, and compares extraction methods to use the best result. Example: DocuSign contracts processed correctly with handwritten overlays.

Question 38

Do you detect expired documents?

Accepted Answer

Yes. Automated detection flags expired insurance certificates, credit reports >90 days old, expired IDs, and other time-sensitive documents. Each includes severity rating (Critical/High/Medium) and remediation recommendations.

Question 39

Do you verify identities?

Accepted Answer

Yes. Identity verification cross-validates ID documents (passports, licenses) against all legitimate parties (borrower, co-borrower, guarantors). Mismatched IDs trigger warnings and elevate documentation risk. Helps prevent fraud.

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