Document Intelligence

The credit memo,
written by your documents.

Vellum reads loan packages, financial statements, and receipts — then writes the analysis. Bank-grade underwriting math meets language that an analyst would actually sign their name to.

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Product 01

Loan Underwriter

Classifies the deal — Commercial & Industrial or Real Estate — and runs the right DSCR math. EBITDA / Annual Debt for C&I, NOI / Annual Debt for real estate, with UW haircuts applied (vacancy, mgmt fee, replacement reserves).

  • Terms, cash flow, collateral, guarantor PFS
  • Strengths and weaknesses with mitigants
  • Exportable PDF credit memo
Open Underwriter
Product 02

Receipt Ledger

Scan a receipt, get structured data — vendor, line items, tax, total, category. Receipts compile into a clean ledger that exports to PDF for month-end bookkeeping or quarterly tax review.

  • OCR + structured extraction
  • Category & spend roll-ups
  • Ledger PDF for accountants
Open Ledger
How it works

Three steps from raw docs to a signed memo.

01

Classify

Choose loan family and subtype. Vellum picks the right cash-flow method — EBITDA for C&I, NOI for real estate — before you enter a single number.

02

Enter or Extract

Type the terms directly, or upload the loan package and let the LLM pull them out. Guarantor PFS and rent rolls are extracted into structured fields.

03

Memo

Get the structured memo: DSCR, collateral summary, guarantor analysis, strengths, weaknesses + mitigants, and a recommendation. Export to PDF.