Lending operations automation

Give underwriters a decision-ready file—not another folder to clean up

Bretton handles repetitive spreading, borrower-data collection, documentation checks, and file assembly against your policy.

Trusted by OCC, FDIC and Fed regulated institutionsIndependent model validationSOC 2 Type IIZero-data retentionEnterprise deployment infrastructure

Built for Lending and underwriting

Move the repetitive work. Keep the judgment.

Move spreading, borrower-data collection, document checks, and file organization off the manual queue.

Prepare the file against the lending and underwriting policy your team already uses.

Return underwriter capacity to exceptions, structure, and decision-making.

How it works

The investigation, not just the alert. Bretton gathers evidence, applies your policy, and drafts the full case for your team to approve.

Pull borrower data and documents from the systems and sources your team uses.

Spread financials, check requirements, and organize the credit evidence against your policy.

Deliver a decision-ready file for underwriter judgment and approval.

Validated by Bretton AI customers

First Internet Bank · FDIC regulated

Faster reviews, a clean exam

87% faster

Reviews that ran 8 to 10 hours per case now finish in under an hour, freeing capacity to grow SBA lending without growing the team.

Lending and underwriting ROI estimate

Estimate capacity returned from financial spreading, borrower-data collection, document checks, and credit file preparation.

Illustrative estimate based only on the assumptions you enter. It is not a guarantee of savings or performance.

Lending files per monthMinutes per lending fileShare of work automated (%)Loaded analyst cost per hour ($)

Hours returned / year

2,100

Equivalent capacity

1.0 FTE

Annual capacity value

$136,500

FAQ

No. Bretton prepares a decision-ready file against your policy. Your team retains review, judgment, and approval.

Lending operations