Today, we’re excited to officially launch ApplyPilot, yPilot’s newest AI product designed to modernize how community banks and credit unions manage commercial lending applications, underwriting, and annual reviews.
For years, lenders have faced the same constraints: time-consuming, manual processes that are error-prone, expensive, and pull lenders away from what matters most—serving more commercial customers and building relationships. ApplyPilot changes that from the very first interaction.
What We’re Launching: The ApplyPilot Foundation
ApplyPilot is a commercial lending co-pilot that combines AI speed with human-in-the-loop validation to deliver both efficiency and accuracy. The current release includes:
AI-Powered Data Extraction
Upload customer financial statements and instantly capture, classify, and extract data from virtually any statement format. Intelligent human-in-the-loop validation and reconciliation ensure high data accuracy.
Advanced Financial Analytics
ApplyPilot automatically generates key credit analytics, including financial ratios, multi-year variance analysis, and AI-driven insights surfaced directly from the underlying financials—giving lenders the information needed to make confident credit decisions.
Process Integration
Export accurate, curated data into existing credit workflows and formats across the organization, reducing manual effort and errors caused by copy-and-paste and other legacy processes.
The result is a dramatically faster lending process with the precision required for confident credit decisions.
Why Now
Competition is increasing, margins are tightening, and customers expect faster answers. Traditional spreading solutions are either manual or built on rigid, high-cost legacy software—often priced beyond what community institutions can justify.
ApplyPilot delivers high-precision spreading and analysis at a fraction of the cost, built specifically for institutions that need speed, accuracy, and scalability.
This launch marks an important step in yPilot’s mission: taking AI beyond theory and into the real, day-to-day work of banking.
Built With Lenders, For Lenders
ApplyPilot was shaped through direct feedback from credit analysts, commercial lenders, and banking leaders. They told us where time is lost, where errors creep in, and where existing tools fall short.
ApplyPilot handles the heavy lifting so teams can focus on judgment, insight, and customer relationships.
What’s Next: The Roadmap
Today’s launch is just the beginning. While this release emphasizes data extraction, spreading, and human-in-the-loop accuracy, upcoming enhancements include:
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Expanded integration across additional commercial credit documents and data sources
- Automated generation of credit forms and supporting documentation
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Integrations with core banking systems, LOS platforms, and digital banking tools
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Deeper customer and portfolio-level analytics
Each step moves us closer to a faster, smarter, and more modern commercial lending process.
Get a First Look
ApplyPilot is now available to early-access institutions. If your team is looking to move faster, improve decision quality, and modernize credit workflows, we’d be happy to walk you through a live demo.
The future of commercial lending is here. For more information, contact us.
