For lenders
A signal and tool for
commercial underwriting.
With CreditMark's lender platform, a credential arrives with a standardized, underwriting-ready package: uniform spreads, accurate metrics, thorough industry-calibrated benchmarks, and a forward-looking Momentum signal.
Our proprietary features and simple platform easily fits into your existing commercial credit processes.
What arrives
Everything underwriting needs, in one package.
Standardized spreads
Financial statement spreads with 27 derived metrics per fiscal period, computed identically for every borrower.
Memo-ready narrative
Analytical but understandable reason codes and ready-made image snippets that drop straight into your credit approval memo.
Industry benchmarks
Every metric plotted against anonymized industry peers with percentiles, using NAICS-based placement.
Organized documents
When the borrower consents, the borrower's underlying financial PDFs arrive as an organized package.
Ongoing monitoring
Portfolio monitoring flags any score or Momentum change and asks your team to acknowledge it.
The Momentum signal
A forward-looking read of borrower trajectory that separates an 82-Ascending from an 82-Watch. Precisely and exclusively provided by CreditMark.
The platform
A portal your whole credit team can live in.
- Inbox & claiming — paste a borrower's share link and the credential files into your institution's inbox with status workflow.
- Role-tiered — admins, relationship managers, and analysts each see the right depth with built-in privacy categories.
- Forwarding & audit — route credentials with notes; every claim, view, forward, and acknowledgment lands in an exportable audit trail.
- Memo snippet — a one-click PNG or PDF credential summary for your credit memo.
- Onboarding in minutes — no integration project. Your admin signs in at lender.creditmark.io and invites the team.
The economics
Relationship Managers and Analysts are expensive.
CreditMark saves them time.
| Platform tier | Analyst labor saved · yr | CreditMark API cost · yr | Net ROI for the lender · yr |
|---|---|---|---|
| Community Bank | $229K | $65K | $164K |
| Regional Bank | $1.15M | $329K | $821K |
At list price. Terms subject to change.
Compliance
Built for the examiner, too.
CreditMark is designed as decision support that documents cleanly inside your existing approval process. Transparent and traceable reasoning which your credit committee and your regulator can both follow.
- Consistent, explainable reason codes behind every credential
- An auditable methodology designed for ECOA fair-lending review
- Structured data aligned with the CFPB's Section 1071 guidelines
Start the conversation.
Reach out to review our live product. We're selecting a small founding cohort of pilot institutions now.