Sterlo

Categories: Finance, Automation / Agents, Data Analysis | Pricing: From $249/month | Official Website ↗

Sterlo provides AI-powered underwriting infrastructure for small-business private credit, automating data analysis and credit decisioning.

Sterlo offers an underwriting platform designed for small-business private credit lenders, credit funds, MCA & RBF funders, and brokers. It automates the process from submission to credit decision by reading and analyzing bank statements, books, and tax returns. The platform identifies existing obligations, scores deals against custom credit policies, and drafts loan terms, allowing underwriters to focus on decision-making rather than data entry. The platform covers the entire loan lifecycle, including intake, underwriting, closing, and servicing. Key features include automated statement parsing (PDF, scanned, CSV), fraud checks, 3-way revenue verification, offer drafting, state disclosures, e-signature, ACH remittance tracking, and syndication tools. It supports unlimited users and provides company-level data isolation for security.

Key Features

Automated bank statement, book, and tax return analysis
Existing debt and stacking detection
Customizable credit policy and knockout rules
Automated offer drafting and consolidation options
Fraud checks (statement tampering, UCC & lien search)
3-way revenue verification (bank vs. books vs. tax return)
State disclosures and e-signature for closing
ACH remittance import and payment health tracking

Pros

Significantly reduces time from submission to credit decision.
Automates data entry and analysis for underwriters.
Supports custom credit policies and pricing grids.
Provides comprehensive fraud and revenue verification checks.
Offers end-to-end platform for intake, underwriting, closing, and servicing.
Ensures data privacy and isolation for each lender.

Cons

Pricing is based on the number of deals, which may be costly for high volume.
Requires human sign-off for all decisions, not fully autonomous.
Specific integrations beyond listed ones may require custom development.
No explicit free trial mentioned on the pricing page.

Use Cases

Automating small-business loan underwriting
Streamlining credit decision processes
Managing loan portfolios and renewals
Facilitating broker submissions and tracking
Ensuring compliance with state disclosures

Best For

Direct lenders
Credit funds
MCA & revenue-based funders
Loan brokers and marketplaces
Capital providers

Integrations: REST API, MCP for Claude, HubSpot, Salesforce, Centrex, Plaid, QuickBooks, Xero, Twilio SMS, Slack

Platforms: Web

Watch demo on YouTube ↗

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