Sweet gives your lending institution one place to take a commercial loan from the first application through syndication. Your borrowers apply on your site, under your brand. Your loan officers work the file. Nothing gets rekeyed into three other systems along the way.
Built for commercial lending, not bolted onto consumer tools
What makes commercial lending software a category of its own is the borrower. A commercial operation is rarely one entity, its cash flow is irregular, its collateral is mixed, and the credit decision still turns on a relationship your loan officer has held for years. That is the ordinary case in your commercial book, and four exceptions in a consumer or retail tool.
So when a file arrives with four entities, two guarantors and a shared email address, Sweet runs the co-applicants in parallel rather than in series, with per-entity tasks, and each party sees their own progress without seeing each other's data.
Incumbent core and LOS providers are built for breadth across banking, not depth in commercial credit, and they move slowly on commercial-lending automation. That is not a criticism of them — it is what a general platform is for. Sweet was built for commercial lending rather than retrofitted to it.
What the platform covers
- Origination — smart forms ask each borrower only for what that deal, that entity structure and that program actually require, not one long form every borrower fills out the same way, and the file routes against the criteria your institution sets.
- Loan applications — fully digital applications any applicant can start on any device, online or on a phone, with a loan officer able to pre-fill, co-browse and finish it with them in real time.
- Data & document collection — when a borrower uploads a document the loan file builds itself: organized, indexed and data-validated, with anything missing or wrong flagged while the borrower is still in front of you.
- AI document review — every submitted document is checked for completeness, legibility and consistency before it reaches your underwriters, and the borrower is told what to fix immediately.
- Servicing — the whole life of the loan in the same portal the borrower already uses, mobile-first and in your colours: balances, available credit, payments, draws, partial releases, renewals, borrowing base and covenant monitoring.
- Capital markets — fund what does not fit your balance sheet, with every route screened before you commit to one, buy-box matching, one document trail and a status every party can see, rather than shopping each deal by email.
Automation belongs on the paperwork; the decision belongs to your credit team. A human review step is always in place by default. See the AI FAQ.
Who it changes the day for
- Your lending team — more of the week on credit judgment, less of it chasing a missing debt schedule by email.
- Your origination partners — financing options one click from the borrower, at the point of sale.
- Your capital partners — loans that arrive already screened, spread, documented and mapped to their buy box, instead of as an uneven package per originator.
It fits around the systems you already run
Sweet is API-first. It connects to your core, your LOS, your CRM and your payment hub, pushes and pulls data through Salesforce, and complements nCino by filling the borrower-facing gaps rather than replacing what already works. Your eligibility, scorecards and pricing are no-code and yours, or push the data to your own decision engine instead. It can also run standalone with no integrations at all. Most lending institutions start narrow, with origination or a document-collection pilot, and connect the rest as they go. It integrates alongside your incumbents rather than forcing a rip-and-replace, so the decision to try it is not a bet on the whole institution. See Integrations or the Implementation FAQ.
Security and compliance
Sweet maintains a SOC 2 Type II attestation, and the report is available to your risk team under NDA. Compliance reporting, including 1071, is built into the workflow rather than assembled afterwards. Your underwriting criteria are versioned and back-testable, with the version tied to each application, so your examiners can see the rule that was in force at the time. See Trust & security or the Compliance FAQ.
Where it stops
Sweet is strong on standard commercial loans and configurable calculations, but it is not a full Excel replacement for very large, complex deals. Ask any vendor where their software stops, including this one. And if you get no answer, ask it again. See Origination.
