90% faster spreading

AI agent for Commercial Lenders

From manual spreading to instant credit models

Delegate financial spreading to a specialized AI agent. It reads tax returns, profit and loss statements, and balance sheets, then populates your credit decision models with verified data. Your credit analysts can focus on risk assessment and relationship management instead of data entry.

Ideal for

Commercial Banks

Credit Unions

Business Lenders

  • Mercedes-Benz logo
    SMC  logo
    Gradient rectangle
    Centerline logo
    Abstract graphic with black and white elements
    Abstract pattern with overlapping shapes.
    Alaris logo
    Progress bar with text at bottom percentage
    SITO logo
    Diagonal stripes on a rectangular background
    SVG logo for Reddit
    Grey and black abstract symbol
    Foobar logo
    ABL logo
    SVG logo for Google
    Bar chart with two bars of different heights
    Brotherhood Mutual logo
    Black and white abstract graphic.
    Paige logo
    Roche logo
    Logo with abstract shapes and text.
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Light gray waveform pattern on white background
    SVG logo with black letters
    Abstract pattern with blue and green colors

See AI agent for Commercial Lenders in action

Play video

  • Mercedes-Benz logo
    SMC  logo
    Gradient rectangle
    Centerline logo
    Abstract graphic with black and white elements
    Abstract pattern with overlapping shapes.
    Alaris logo
    Progress bar with text at bottom percentage
    SITO logo
    Diagonal stripes on a rectangular background
    SVG logo for Reddit
    Grey and black abstract symbol
    Foobar logo
    ABL logo
    SVG logo for Google
    Bar chart with two bars of different heights
    Brotherhood Mutual logo
    Black and white abstract graphic.
    Paige logo
    Roche logo
    Logo with abstract shapes and text.
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Light gray waveform pattern on white background
    SVG logo with black letters
    Abstract pattern with blue and green colors

See AI agent for Commercial Lenders in action

Play video

Credit Analysis - Apex Manufacturing

  • Mercedes-Benz logo
    SMC  logo
    Gradient rectangle
    Centerline logo
    Abstract graphic with black and white elements
    Abstract pattern with overlapping shapes.
    Alaris logo
    Progress bar with text at bottom percentage
    SITO logo
    Diagonal stripes on a rectangular background
    SVG logo for Reddit
    Grey and black abstract symbol
    Foobar logo
    ABL logo
    SVG logo for Google
    Bar chart with two bars of different heights
    Brotherhood Mutual logo
    Black and white abstract graphic.
    Paige logo
    Roche logo
    Logo with abstract shapes and text.
    Sony logo
    Munch Energie Logo
    Certainty Sofrware logo
    Raft logo
    Bayer Logo
    Light gray waveform pattern on white background
    SVG logo with black letters
    Abstract pattern with blue and green colors

See AI agent for Commercial Lenders in action

Play video

Time comparison

Traditional way

2-4 hours per borrower

With V7 Go agents

5-10 minutes

Average time saved

90%

Why V7 Go

Automated Financial Spreading

Extracts revenue, expenses, assets, liabilities, and cash flow data from tax returns and financial statements, then populates your standardized credit model templates automatically.

Automated Financial Spreading

Extracts revenue, expenses, assets, liabilities, and cash flow data from tax returns and financial statements, then populates your standardized credit model templates automatically.

Multi-Year Trend Analysis

Processes multiple years of financial statements simultaneously, calculating year-over-year growth rates, margin trends, and working capital changes to support credit risk assessment.

Multi-Year Trend Analysis

Processes multiple years of financial statements simultaneously, calculating year-over-year growth rates, margin trends, and working capital changes to support credit risk assessment.

Tax Return Intelligence

Reads complex tax forms including Schedule C, 1120, 1120S, and 1065, extracting business income, depreciation, and owner compensation data regardless of document quality or format.

Tax Return Intelligence

Reads complex tax forms including Schedule C, 1120, 1120S, and 1065, extracting business income, depreciation, and owner compensation data regardless of document quality or format.

Ratio Calculation Engine

Automatically calculates debt service coverage ratio, current ratio, debt-to-equity, and other key lending metrics, ensuring consistent methodology across all credit analyses.

Ratio Calculation Engine

Automatically calculates debt service coverage ratio, current ratio, debt-to-equity, and other key lending metrics, ensuring consistent methodology across all credit analyses.

Data Normalization

Standardizes financial data from different accounting methods, fiscal year ends, and statement formats into a consistent structure for accurate peer comparison and portfolio analysis.

Data Normalization

Standardizes financial data from different accounting methods, fiscal year ends, and statement formats into a consistent structure for accurate peer comparison and portfolio analysis.

Verifiable Extraction

Links every extracted figure back to its precise location in the source document with AI Citations, creating a complete audit trail for regulatory compliance and credit file documentation.

Verifiable Extraction

Links every extracted figure back to its precise location in the source document with AI Citations, creating a complete audit trail for regulatory compliance and credit file documentation.

Extracts financial data from any format

To populate your credit models automatically.

Get started

Logo
Logo

Import your files

Salesforce

,

Microsoft Excel

,

Microsoft Sharepoint Online

Import your files from whereever they are currently stored

Customer voices

Customer voices

Connect AI to your credit models.

Turn borrower documents into instant credit decisions.

Turn borrower documents into instant credit decisions.

Finance

Legal

Insurance

Tax

Real Estate

Customer Voices

Features

Features

Results you can actually trust.
Reliable AI document processing toolkit.

Results you can trust.
Trustworthy AI document processing toolkit.

Supporting complex documents.

Up to 200 pages.

Borrower financial documents come in every format imaginable. This agent handles scanned tax returns, internally prepared statements, CPA-compiled financials, and QuickBooks exports. It extracts data from low-quality scans, handwritten schedules, and multi-page consolidated statements with equal accuracy.

Input types

Scanned Documents

Handwritten Schedules

200 pages

Multi-modal

Document types

PDFs

Tax Forms

Complex Tables

Financial Schedules

Spreadsheets

Vendor_US.xlsx

12

Supply_2023.pptx

Review_Legal.pdf

Supporting complex documents.

Up to 200 pages.

Borrower financial documents come in every format imaginable. This agent handles scanned tax returns, internally prepared statements, CPA-compiled financials, and QuickBooks exports. It extracts data from low-quality scans, handwritten schedules, and multi-page consolidated statements with equal accuracy.

Input types

Scanned Documents

Handwritten Schedules

200 pages

Multi-modal

Document types

PDFs

Tax Forms

Complex Tables

Financial Schedules

Spreadsheets

Vendor_US.xlsx

12

Supply_2023.pptx

Review_Legal.pdf

Reach 99% accuracy rate

through GenAI reasoning.

Credit decisions require precision. The agent uses multi-step validation to ensure every extracted figure is accurate. It cross-references related line items, validates mathematical relationships, and flags inconsistencies for review. Financial data is extracted with the accuracy required for regulatory compliance and credit committee presentation.

Model providers

OpenAI, Anthropic, Gemini logos

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Reach 99% accuracy rate

through GenAI reasoning.

Credit decisions require precision. The agent uses multi-step validation to ensure every extracted figure is accurate. It cross-references related line items, validates mathematical relationships, and flags inconsistencies for review. Financial data is extracted with the accuracy required for regulatory compliance and credit committee presentation.

Model providers

OpenAI, Anthropic, Gemini logos

Security note

V7 never trains models on your private data. We keep your data encrypted and allow you to deploy your own models.

Answer

Type

Text

Tool

o4 Mini

Reasoning effort

Min

Low

Mid

High

AI Citations

Inputs

Set a prompt (Press @ to mention an input)

Trustworthy results,

grounded in reality.

Build confidence in automated spreading. Every extracted financial metric is visually linked to its exact location in the source tax return or financial statement. Your credit analysts can verify any figure instantly, creating a complete audit trail for credit files and regulatory examination.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Trustworthy results,

grounded in reality.

Build confidence in automated spreading. Every extracted financial metric is visually linked to its exact location in the source tax return or financial statement. Your credit analysts can verify any figure instantly, creating a complete audit trail for credit files and regulatory examination.

Visual grounding in action

00:54

Deliberate Misrepresentation: During the trial, evidence was presented showing that John Doe deliberately misrepresented his income on multiple occasions over several years. This included falsifying documents, underreporting income, and inflating deductions to lower his tax liability. Such deliberate deception demonstrates intent to evade taxes.

Pattern of Behavior: The prosecution demonstrated a consistent pattern of behavior by John Doe, spanning several years, wherein he consistently failed to report substantial portions of his income. This pattern suggested a systematic attempt to evade taxes rather than mere oversight or misunderstanding.

Concealment of Assets: Forensic accounting revealed that John Doe had taken significant steps to conceal his assets offshore, including setting up shell companies and using complex financial structures to hide income from tax authorities. Such elaborate schemes indicate a deliberate effort to evade taxes and avoid detection.

Failure to Cooperate: Throughout the investigation and trial, John Doe displayed a lack of cooperation with tax authorities. He refused to provide requested documentation, obstructed the audit process, and failed to disclose relevant financial information. This obstructionism further supported the prosecution's argument of intentional tax evasion.

Prior Warning and Ignoring Compliance

02

01

01

02

Enterprise grade security

for high-stake industries.

Borrower financial data is highly sensitive and regulated. V7 Go processes all documents within your secure banking infrastructure, meeting GLBA, SOC 2, and other financial services compliance requirements. Borrower information never leaves your control and is never used for external purposes.

Certifications

GDPR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

Enterprise grade security

for high-stake industries.

Borrower financial data is highly sensitive and regulated. V7 Go processes all documents within your secure banking infrastructure, meeting GLBA, SOC 2, and other financial services compliance requirements. Borrower information never leaves your control and is never used for external purposes.

Certifications

GPDR

SOC2

HIPAA

ISO

Safety

Custom storage

Data governance

Access-level permissions

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Answers

What you need to know about our

AI agent for Commercial Lenders

How does it handle different tax form types?

The agent is trained to recognize and extract data from all common business tax forms, including Schedule C for sole proprietors, Form 1120 for C-corps, 1120S for S-corps, and 1065 for partnerships. It adapts to different form versions and handles both current and prior year formats.

+

What if the financial statements are scanned or low quality?

The agent uses advanced OCR technology designed for financial documents. It can process scanned tax returns, faxed statements, and even handwritten schedules. For low-confidence extractions, it flags the data point for human verification while still completing the rest of the spreading.

+

Can it integrate with our existing loan origination system?

Yes. The agent outputs data in formats compatible with major loan origination systems and credit decisioning platforms. We can configure the output schema to match your specific system requirements, whether that's direct API integration or structured file export.

+

How accurate is the financial data extraction?

The agent achieves 99% accuracy on key financial metrics through multi-step validation workflows. Every extracted number is cross-referenced against related fields for mathematical consistency, and all results are visually linked to source documents for verification.

+

Does it handle non-standard financial statements?

Yes. The agent processes financial statements from any accounting software or format, including QuickBooks exports, internally prepared statements, and CPA-compiled financials. It recognizes standard line items even when labeled differently across various statement formats.

+

What about borrower-specific adjustments?

The agent can be configured to apply your institution's standard normalization adjustments, such as adding back owner compensation, depreciation, or one-time expenses. You can also define custom adjustment rules based on your credit policy.

+

Next steps

Still manually spreading borrower financials?

Send us sample tax returns and P&L statements from a recent loan application. We'll show you how the agent can spread them into your credit model in minutes.

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board:

  • Logo with abstract shapes and text.
    SITO logo
    Abstract pattern with blue and green colors
    SVG logo for Google
    Progress bar with text at bottom percentage
    Bar chart with two bars of different heights
    Gradient rectangle
    Diagonal stripes on a rectangular background
    Abstract pattern with overlapping shapes.
    SVG logo for Reddit

Uncover hidden liabilities

in

supplier contracts.

V7 Go transforms documents into strategic assets. 150+ enterprises are already on board:

  • Logo with abstract shapes and text.
    SITO logo
    Abstract pattern with blue and green colors
    SVG logo for Google
    Progress bar with text at bottom percentage
    Bar chart with two bars of different heights
    Gradient rectangle
    Diagonal stripes on a rectangular background
    Abstract pattern with overlapping shapes.
    SVG logo for Reddit