AI UnderwritingAgent

A file outside the automated rules lands on an underwriter's desk for days of manual review. An AI Underwriting Agent gathers the documents, assesses the application against your credit policy, and prepares the decision with its rationale. It prepares; the underwriter approves.

Tecla builds it inside your environment and runs it, wired into the loan origination and credit systems your team already uses.

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The shift underway

Due diligence is one of the most expensive, time-boxed workstreams in a deal, and most of it is document review under deadline. AI is compressing that work, and deal teams are adopting it fast.

$150k–750k

typical due diligence spend on a mid-market deal, most of it analyst review time.

Source: DataRooms.org, 2026

100+ hrs

a week analysts work during live deals, much of it organizing and validating data.

Source: Keye PE research

25–35%

less adviser time on a deal when review is AI-assisted in a structured data room.

Source:

How it works

How the agent works

A manual underwrite means gathering the file, spreading the numbers, checking them against policy, and writing up a decision, work that scales badly by hand. The agent does that assessment for every file, so the underwriter reviews a recommendation, not a raw application.

01

File Intake

Gathers the application, financial statements, tax returns, and bank statements, and reads them into a structured file, so no one re-keys a borrower's numbers by hand.

Gathers the file
02

Spreading

Spreads the financials and calculates the ratios your credit team relies on, DSCR, DTI, leverage, liquidity, from the source documents.

Runs the numbers
03

Policy Check

Assesses the application against your written credit policy, flagging where it meets guideline, where it needs an exception, and what conditions apply.

Checks the policy
04

Risk Finder

Surfaces what a clean rules-pass can miss: customer concentration, covenant history, declining margins, and other credit red flags in the file.

Finds the risk
05

Decision Draft

Prepares a recommendation with its rationale, the ratios behind it, and the conditions, ready for an underwriter to review and approve.

Drafts the decision

Human in the loop

Every number and flag traces back to the document behind it, so an underwriter can verify the file. The agent prepares the recommendation; the credit decision, and the accountability for it, stays with the underwriter, not the model.

Scoped to you

This is a typical underwriting build. The exact parts are scoped to how your firm runs: your credit policy, the loan types in scope, how spreading is done, and where the underwriter signs off.

See what this would look like built around your portfolio operation.
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Related agents

How it reaches production

Built, run, and owned, one phase at a time

A diligence tool that reads a clean sample can still miss what matters in a real, messy data room under deal-clock pressure. A scoped brief, a named team, and someone accountable at each stage are what make this one dependable on live deals.

Sprint

Scope, fixed price

We map your diligence checklist, the workstreams in scope, your memo template, and the data room setup, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers assemble the agent inside your environment, wired into the data room, deal management, and document systems your team already works in.

AI Systems Lead
Run

Monitored and improved

The agent adapts as your checklist and deal types change, and we report against the metrics set at scope: documents reviewed, diligence turnaround, findings surfaced per deal.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it learns your firm's diligence standards over time rather than staying a generic document reader bolted on the side.

Your team

A build starts with a fixed-price Tecla Sprint that scopes and prices it before you commit.

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How it holds up

Trustworthy enough to put in front of the IC

A diligence finding the deal team cannot trust is worse than none, because the investment decision rests on it. What makes this one dependable is that every finding is sourced to the document, checkable, and stops short of the investment judgment that belongs to a person.

Reviewed by trajectory

Every finding cites the document

Each finding links back to the exact document and page in the data room, so an analyst can verify it before it reaches the investment committee. The agent surfaces; it does not assert what it cannot source.

Human in the loop

It reads, the deal team decides

The agent reads documents and flags risks, but what a finding means for the investment, and whether to proceed, stays with the deal team. It informs the decision; it does not make it.

Tuned over time

It learns your diligence standard

As your checklist, memo format, and deal types change, the agent is kept current, so its output matches how your firm actually runs diligence.

Start the build

Turn the data room into a drafted memo

A scoping call maps your diligence workflow and returns what the agent would handle, how success is measured, and the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What deal teams ask first

What is an AI underwriting agent?

It gathers a loan file, spreads the financials, assesses the application against your credit policy, flags the risks, and prepares a recommendation with its rationale. Tecla builds and operates the underwriting AI agent inside your environment, so underwriters review a prepared decision instead of a raw application, and own the approve-or-decline call.

How is an AI underwriting agent different from an automated underwriting system (AUS)?

An AUS clears clean applications against fixed rules and refers everything else to a human. This does the manual assessment on those referred files: it reads the documents, spreads the numbers, and drafts the decision. Tecla builds it to bring underwriting automation to the judgment cases an AUS hands off, not just the standard ones.

Does the agent approve or decline loans?

No. It prepares the recommendation and lists the conditions, but the approve-or-decline call stays with the underwriter. Automated underwriting handles the routine; the judgment on credit and the exceptions stay human.

How do you keep the assessment accurate?

Every ratio and flag links back to the document it came from, so an underwriter can verify the file before deciding. The agent spreads and computes from source documents; it does not invent figures.

What does Tecla's underwriting build cover?

Tecla scopes the build to your firm: your credit policy, the loan types in scope, how spreading is done, and where the underwriter signs off. It runs inside your environment and stays aligned to your policy as it changes.

What loan types can the underwriting agent handle?

Commercial, consumer, and mortgage files alike, spreading financials, calculating DSCR, DTI, leverage, and liquidity, and checking each against your guidelines. The build includes exception handling.

How is borrower data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Borrower and credit data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

A build starts with a fixed-price Tecla Sprint that scopes and prices it before you commit. The Sprint maps your credit policy, loan types, and approval gates, so the underwriting AI agent fits how your firm actually underwrites.

We have underwriters already. Where does the agent fit?

It takes file-gathering, spreading, and first-pass assessment off the team, so underwriters spend their time on judgment and exceptions rather than data entry. Tecla builds and operates it alongside them, clearing the manual queue faster.

How do we get started?

A scoping call maps your underwriting workflow and returns what the agent would assess and prepare, how success is measured, and the fixed-price Sprint cost. Book a scoping call with Tecla to start.

Have any questions?
Schedule a call to discuss in more detail.
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