The credit box was built for banks.
This was built for you.
Most CDFI loan origination software falls short in one critical area—underwriting. That’s because it’s seldom designed by community lenders themselves.*
We drew on decades of direct CDFI lending experience to build an AI-enabled underwriting system that organizes and delivers the data lenders need to make thoughtful credit judgments.
*We should know. We’ve used them all.
Ready to see it in action?
We're currently onboarding new clients. Tell us about your loan program and we'll show you what Olea Intelligence can do for your CDFI.
What Olea Intelligence does
We built Olea Intelligence to work for every CDFI, regardless of size or tech infrastructure. With Olea Intelligence, underwriters open a pre-populated credit analysis and go straight to analysis and judgment.
Document verification
Confirms all documents required by your loan policy have been submitted.
Financial data extraction
Pulls key figures from loan packaging documents as standardized as a tax return to hand-written P&L Statements.
Bank statement review
Scans business and personal bank statements for overdrafts, recurring obligations, large transfers, and irregular activity.
Credit and identity review
Extracts key indicators from credit reports along with identifying information for businesses and personal guarantors to facilitate fraud prevention.
Repayment capacity analysis
Calculates global, business, and personal debt service coverage ratios and applies your policy’s risk thresholds automatically.
Pre-populated credit analysis
Organizes all extracted data into a structured credit analysis template, customized to your policy and preferences and ready for your team to act on.
Two ways to use it.
Our system handles the data. What happens next depends on whether you have in-house underwriters or want Olea's team to take it from there.
Software Only
Your staff underwriters take the pre-populated analysis and complete the credit memo internally.
Best for organizations with experienced underwriting staff who want to move faster without adding headcount.
Includes:
Full software access and configuration
Structured credit analysis delivered per file
Data exported to Excel or returned via API to your loan origination platform
Your team handles credit judgment and memo
Software + Olea Underwriting
Olea's underwriters handle everything the software can't. Using your unique credit policy and risk appetite as their guide, our team applies expert, human-centered judgment to produce a complete narrative credit memo and recommendation, ready for your loan officer and committee to act on.
Best for organizations that want to pair smart technology with the insight of underwriters who understand mission-driven lending from the inside out.
Includes:
Full software access and configuration
Credit memo and recommendation written to your policy
3-business-day turnaround for small business loans
The final decision is always yours
Pre-Qualification Underwriting
Software clients at either tier may add pre-qualification underwriting as an optional feature. This is a faster, limited-document review designed to help your team quickly identify strong candidates or flag files that need additional work before full underwriting begins.
Built to meet you where you are
Whether you need something you can launch quickly or a fully integrated solution that works inside your existing systems, we have a configuration for you.
Standard configuration
A ready-to-use version of the software with a clean, standardized workflow. No integration required. Designed for organizations that want a straightforward, affordable solution they can get up and running quickly.
Custom integration
For organizations with an existing loan origination platform, we build the software directly into your system via API. Your team stays in the tools they already know, and the software works natively in the background.
Ready to move faster on underwriting?
We're currently piloting Olea Intelligence with existing clients and onboarding new clients on a rolling basis. If you'd like to be considered, tell us about your loan program.