Ready to Automate Your Firm’s Lending Process?
The commercial lending industry is complex with lots of moving parts and manual tasks. These manual tasks lead to inefficient and expensive lending processes that hurt your firm’s bottom line. Here at AIO Logic, our AI-powered, end-to-end loan origination, servicing, and management platform was built specifically to automate the commercial lending process. If you’re ready automate your firm’s lending process, complete the form and we’ll be in touch to schedule a demo of our platform!
Why Choose AIO Logic?
True End-to-End Automation
AXIS by AIO Logic is the only true-end-to-end platform designed for the complex requirements of commercial lending and structured finance. From origination, underwriting, document management, loan servicing, compliance management, loan accounting, and more, AXIS modules are seamlessly integrated into a centralized platform, providing end-to-end automation, data analytics, and unprecedented efficiency.
Built for Scale & Diversification
AXIS is designed to handle your needs today and into the future without additional cost or technology build requirements. AXIS’s robust functionality and intelligent automation enable lenders to grow both operationally and in terms of product diversification capacity. AXIS is the only platform with out-of-the-box, end-to-end handling of diverse loan products and bespoke facilities.
Rapid Deployment & Full Support
AXIS is designed to be deployed rapidly without the need for an in-house IT team and with minimal disruption to existing operations. AIO Logic manages the AXIS deployment and configuration process, including lender team training and data migration, to ensure a successful deployment. In addition to AXIS’s integrated knowledge base, the AIO Logic team continues to support client teams after deployment.
AI-Enabled Automation
AXIS’s AI-Enabled automation offers unparalleled sophistication throughout the entire loan lifecycle. With loan-level parametric configuration, AXIS automation seamlessly accommodates bespoke structures and novel cases that break other workflow automation tools. In addition to powerful AI tools for commercial lenders, AXIS also contains many AI tools for mortgage brokers and other financial sources.
Comprehensive Platform
AXIS is the only commercial lending platform with out-of-the-box handling for all commercial loan products in a single platform. AXIS eliminates the need for multiple niche platforms, reducing cost, deployment time, and error-rate, while providing unprecedented automation and data visibility. As a true end-to-end commercial loan platform, AXIS increases efficiency while reducing cost.
360-Degree Visibility
AXIS centrally stores and manages data in real-time throughout the loan lifecycle, eliminating the bottleneck and errors of managing data from multiple systems. As a digital lending platform, AXIS allows users to view and manage your loan portfolio in one central location.
Configurable Automation
From initial intake, to document request and management, to underwriting and scoring, to document generation, AXIS provides fully configurable, end-to-end loan origination functionality to streamline the origination process. AXIS’s origination automation is configured to automatically adapt and optimize processes across different scenarios to seamlessly move loans through origination.
Document Request Management
AXIS automatically generates fully-configurable document requests lists by facility type. Applicants view and upload these requests directly through the AXIS Customer Portal. AXIS then automatically stores and indexes documents, so documents are always organized, and lenders know exactly which documents have been submitted and which are still pending in real time.
Automated Document Generation
AXIS has robust document generation functionality, enabling lenders to automatically generate term sheets and loan closing documents. AXIS’s document generation functionality is configurable to lender-provided templates, and provides automated document selection of different document templates for different loan structures.
Customer Portal
AXIS’s Customer Portal is the primary customer-facing interface. When an Account is created in AXIS, the designated Account users receive an invite to access the Customer Portal. In addition to providing account and loan-related information to customers (e.g., balances, documents), all requirement tracking and document submission is performed through the Customer Portal.
Broker Portal
AXIS offers Broker Portal functionality out of the box. The Broker Portal allows brokers and referral sources to directly submit new loan opportunities and upload related documents, which automatically feed into the primary workflows. Brokers can view and update all of their submissions through the broker portal.
Underwriting & Financial Analytics
AXIS offers robust data acquisition tools that enable lenders to efficiently acquire, organize, and validate financial data, saving hours of work and significantly reducing errors. Once financial data is acquired, AXIS automatically performs vertical, horizontal, and trend analysis to calculate 60 financial ratios and score borrower financial health. AXIS has native handling for variable underwriting criteria which is configured to each lender’s credit policy. This enables rule-based, configurable risk rating and streamlined underwriting workflows.
Configurable Origination Automation
From initial intake, to document request and management, to underwriting and scoring, to document generation, AXIS provides fully configurable, end-to-end loan origination functionality to streamline the origination process in ways that other loan origination platforms simply aren’t able.
Full Lead Management
The loan origination system in AXIS provides robust contact management for both company contacts and third-party contacts such as brokers, attorneys, appraisers, etc. Contacts can be granted portal access directly from the contact record, and notification settings can be configured for each contact.
Intelligent Document Management
Our AI lending platform automatically generates fully-configurable document requests lists by facility type. Additionally, AXIS AXIS has robust document generation functionality, enabling lenders to automatically generate term sheets and loan closing documents.
Automated Payment Management
AXIS automatically creates payment schedules based on loan parameters. On each payment date, AXIS automatically updates the scheduled payment record to reflect changed index rates, principal balance changes, and other loan activity. Additionally, AXIS offers one-click payment capitalization out of the box. When a payment is capitalized, all accrual and balance information is automatically updated at the loan level and in aggregated reports.
Automated Balance Management
AXIS automatically generates a daily balance record for each active loan, providing immediate access to real-time loan data. The daily balance record captures all balance and transaction information for each day, including fundings, principal repayments, accrued interest and fees, and received interest and fees.
Automated Accounting
AXIS provides automated and configured accounting functionality for both loan-facing transactions and capital markets facing transactions. Accounting is set up through fully configurable workflows which automatically create journal entries upon the occurrence of triggering events. Accounting workflows are configured during onboarding, and users choose which General Ledger Accounts to credit and debit for each event trigger. Ledger entries can be integrated with existing accounting systems, significantly reducing monthly accounting time and error.
Complex Structures
AXIS provides the functionality required to manage the complex loan structures of middle-market lending and structured finance. Built by lenders for lenders, AXIS is fully configurable and built with all the nuances of bespoke loan structures in mind. AXIS handles any loan structure out-of-the-box, including variable rate, conditional rate, custom amortization, complex waterfalls, and more, eliminating the need to handle exception loans manually in spreadsheets.
Automated Invoicing
AXIS automatically generates borrower invoices and statements, which are automatically sent to designated recipients via email. Lenders can choose the day on which invoices are distributed and can set payment grace periods at the loan level.
Automated Reporting & Analytics
AXIS’s end-to-end data integration automatically updates downstream data in real-time without the need for any manual user data management, significantly saving time and reducing error on loan balances, payment data, and all servicing reports. Users can also create ad-hoc data table reports, pivot tables, and charts.
Automated Compliance Management
AXIS automatically creates a compliance calendar for each loan based on the covenants entered. The compliance calendar automatically flows as requirements to the customer portal and the loan manager dashboard, automating the delivery, tracking, monitoring, and auditing of loan reporting and covenants.
Automated Covenant Testing
In AXIS, covenant setup is quick and easy. All loan covenants are parametric and centrally tracked in the Loan record. The Covenant type is chosen from a list (e.g., financial statements, DSCR), and parameters are entered. For financial covenants, the testing benchmark is also added. All subsequent covenant tracking and monitoring is automated.
Automated Risk Monitoring
AXIS automatically performs vertical, horizontal, trend, and ratio analysis on borrower financial data. If AXIS detects deteriorating financial trends, (e.g., decreasing profit, decreasing liquidity, etc.), an alert is triggered on the Portfolio Manager dashboard. AXIS’ data integration and automation enable robust, consistent, and accurate analysis without the costs and challenges associated with current manual processes.
Bank Account Cash Monitoring
AXIS enables borrowers to link their bank accounts directly through the customer portal. AXIS then automatically acquires transaction and balance data, and applies analysis to average balances, balance trends, and unusual transaction, providing fully automated, real-time monitoring of borrower cash dynamics.
Loan Amendments
AXIS gives lenders the ability to amend any loan term through loan amendments. AXIS tracks amendment version history and automatically applies the most recent loan terms while maintaining the history of prior terms.
Real-Time Global View
AXIS gives lenders a global, real-time view of loan-related data. From loan terms, to borrower group details, to contact information, to servicing, to compliance, all loan data is real-time and available in one place, creating unprecedented efficiency and user experience.
Dynamic Dashboards
Users work primarily through role-specific dashboards called Cockpits. Cockpits provide users a single, centralized interface access to all reporting, analytics, and operational features required for the role. Cockpits are customized to organizational specifications and roles during the onboarding process.
Real-Time Data
AXIS’s end-to-end data integration automatically updates downstream data in real-time without the need for any manual user data management. This not only saves tremendous time and cost related to manual data aggregation and report building but provides more timely insights into actionable data reducing risk, increasing origination efficiency, and ensuring compliance.
Automated Data Monitoring
In addition to providing real-time global data, AXIS provides active monitoring of data to automatically detect broken benchmarks, deteriorating conditions, or other data-related flags. AXIS’s intelligent data monitoring allows the analysis logic to be configured such that the target data is always being monitored, reducing the cost, time, and errors related with manual data handling and analysis.
Automated Reporting
AXIS offers 61 reports and dashboards standard out of the box. Each table in AXIS includes a user-facing report that allows users to search, filter, and download data from that table. AXIS also features a large catalog of standard reports and configurable operational dashboards called Cockpits.
Ad-Hoc Reporting
AXIS provides a full suite of reporting tools to create ad-hoc reports. Users can select the data fields they want to add to a report and apply any filtering criteria. AXIS then automatically creates the requested report. In addition to data tables, users can create pivot tables and a variety of charts, which can be downloaded.
Automated Investor/Participant Accounting
AXIS automates Investor/Participant accounting by automatically creating all related ledger entries, even across multiple tranches and for complex structures. All data is aggregated, automating the tracking of investor capital accounts, accrued returns, IRR, etc.