Aloan is a commercial underwriting automation platform purpose-built for community banks and credit unions. It replaces the manual, spreadsheet-driven underwriting process with AI that automates financial spreading, cash flow analysis, global cash flow calculations, and credit memo generation for commercial loans. Lenders upload borrower documents — tax returns, financial statements, rent rolls — and Aloan extracts the data, spreads it into standardized formats, calculates debt service coverage ratios and global cash flows across multiple entities and guarantors, and generates complete credit memos ready for loan committee review. Aloan is designed for community banks and credit unions under $10B in assets that want to compete with larger institutions on loan turnaround time without the cost and complexity of legacy enterprise platforms. The platform integrates with existing core banking systems and loan origination software, fitting into established workflows rather than replacing them. Key capabilities include automated tax return spreading, personal and business financial statement analysis, global cash flow with automatic add-backs and adjustments, covenant monitoring, and AI-assisted risk assessment — reducing commercial loan underwriting time from weeks to days.