Lending Industry Solutions for the Modern Commercial Landscape
The commercial lending market is valued at over $2.7 trillion as of 2025, according to the Federal Reserve. Yet, many lenders are hindered by disconnected systems that lead to data silos, manual errors, and slow funding times. AXIS is a unified lending automation platform engineered to solve this challenge. It is a central operating system unifying the entire commercial loan life cycle. By eliminating the need for disparate software, AXIS provides a single source of truth from the first contact to the final payoff by supporting:
- Lender finance
- Factoring
- Equipment leasing
- Real estate financing
- Revenue-based financing and other related services.
As our platform evolves, we continue to expand our capabilities to meet the needs of lenders across all segments.
Asset-Based Lending
For ABL lenders, the biggest challenge is monitoring fluctuating collateral values in real time. Spreadsheets and static systems are no match for the dynamic nature of inventory and accounts receivable. Relying on manual calculations creates a dangerous blind spot between reporting periods.
AXIS automates borrowing base calculations and provides real-time alerts for covenant breaches or when collateral coverage ratios dip below predefined thresholds. This allows lenders to proactively manage risk and make informed decisions about their loan portfolio.
Middle-Market Direct Lending
The core of middle-market lending is crafting deals that don’t fit standard amortization schedules. Lenders often encounter loan structures with delayed draw terms or custom Payment-in-Kind (PIK) interest schedules. Forcing these complex agreements into rigid commercial lending software necessitates cumbersome and error-prone workarounds using spreadsheets.
AXIS eliminates manual workarounds and ensures the terms agreed upon at closing are the terms that are enforced. Complex terms, covenants and fee structures are codified once, ensuring that calculations for the entire loan life are executed accurately.
Private Debt Funds
Fund managers must deliver timely, accurate investor reports while managing complex fund structures and waterfall distributions. AXIS automates the calculation of 42 financial ratios and generates 61 standardized reports on demand. The platform delivers instant, granular portfolio visibility, reducing quarter-end closing times. Our automated lending platform ensures compliance, transparency and bolsters investor confidence.
Banks and Credit Unions
Legacy core banking systems are often unable to adapt to new commercial product lines or digital workflows. This can make it difficult for banks and credit unions to compete in the modern commercial lending market. AXIS integrates with existing infrastructure to modernize commercial loan automation.
The centralized CRM consolidates all borrower interactions, loan performance data and compliance documents into a single, unified profile. This feature enables banks and credit unions to offer their borrowers the products and services they need to succeed.
SBA Lenders
The heavy documentation requirements and strict compliance standards of Small Business Administration lending create a high cost to originate. This administrative burden makes it challenging to process a high volume of smaller-ticket SBA 7(a) and 504 loans profitably.
AXIS automates the collection and validation of diligence documents against the SBA’s stringent requirements, minimizing compliance risk. Lenders can significantly reduce their cost-to-originate, enabling them to scale their SBA lending programs and serve a larger segment of the small business community.
Scale Your Growth, Not Your Overhead
The volume-based pricing model of AXIS demonstrates that it is a partner in growth, rather than a fixed overhead cost. This makes it an ideal solution for lenders of all sizes, from small, independent lenders to large, institutional investors. The platform’s security, permissioning and data integrity capabilities are all enterprise-grade, providing lenders with the peace of mind that their data is safe and secure.
Schedule a consultation with us today to discover how AXIS can help you align your portfolio with our capabilities.