The Challenge
Commercial mortgage brokers and institutional private lenders frequently juggle dozens of $1M–$20M deal files across unorganized spreadsheets, disparate email threads, and Dropbox folders. Manual calculation of DSCR, loan-to-value (LTV), and underwriting risk causes critical delays in issuing term sheets.
The Neptora Solution & Architecture
Neptora is building a dedicated, multi-tenant commercial lending platform with drag-and-drop Kanban deal pipelines, automated financial ratio computation, multi-party borrower document checklist tracking, and audit-logged role permissions.
Key Features & Engineering Deliverables
Kanban Loan Deal Pipeline
Visual stage-by-stage progression from Intake, Underwriting, Committee Review, to Funding.
Automated DSCR & LTV Modeling
Calculates property net operating income, debt service coverage, and maximum allowable loan amounts instantly.
Borrower Document Ingestion Portal
Secure drag-and-drop upload for rent rolls, balance sheets, and environmental reports with status tracking.
Granular Row-Level Security
Strict PostgreSQL access controls ensuring underwriters, brokers, and lenders only access authorized files.
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