Cascading

Cascading is an AI-native Loan Origination System (LOS) designed to revolutionize business lending by automating the vast majority of manual processes. Its core value proposition is enabling FDIC-insured banks and non-bank lenders to drastically reduce operational overhead, accelerate loan decision times, and improve conversion rates through intelligent automation and predictive analytics. The platform serves as a comprehensive, cloud-based solution that manages the entire loan lifecycle from initial application to final underwriting and closing.

Key features: The system automates document collection, verification, and analysis, extracting key data points from financial statements, tax returns, and legal documents. It includes predictive loan analytics for risk assessment and credit scoring, automated underwriting workflows that apply configurable business rules, and tools for conversion rate optimization such as intelligent application status tracking and communication. The platform also offers robust access control, customer onboarding automation, and end-to-end digital lending capabilities that eliminate paper-based processes.

What sets Cascading apart is its deep, native integration of AI throughout the core lending workflow, rather than as a peripheral add-on. It leverages machine learning models specifically trained on commercial and SBA lending data to provide superior predictive insights. Technically, it is built as a secure, cloud-based SaaS platform with APIs for seamless integration into existing core banking systems, CRM software, and credit bureaus. Its focus on data security and compliance is a critical differentiator in the financial sector.

Ideal for financial institutions engaged in SBA lending, small business lending, and commercial lending. Specific users include loan officers, underwriters, and operations managers at community banks, credit unions, and alternative lenders who need to process high volumes of business loan applications efficiently. It is particularly valuable for lenders aiming to digitize their operations, reduce manual errors, and scale their lending portfolios without proportionally increasing staff.

The platform operates on a freemium model, offering a free tier with basic automation features suitable for evaluation or very low volume. Paid enterprise plans, which include advanced AI analytics, custom integrations, and higher processing limits, are priced based on loan volume and the number of users, typically starting from a monthly subscription fee.