For commercial lending teams · Banks & credit unions

The loan platform that underwrites with AI and proves every document.

Meridian runs the full commercial loan lifecycle — from a referred deal to disbursal — with AI-assisted credit analysis, tamper-evident documents, and four-eyes controls baked into every step.

Request a walkthrough → See how underwriting works
SHA-256 fingerprintAES-256-GCMmaker-checkeraudit-readyglobal DSCR
Deal · Rivertown QSR Groupprocessing
📥
Intake & triagelead · Cornerstone Capital
assigned ✓
🔎
Document verificationOCR · fingerprint · dedup
14 on file ✓
🧠
AI credit underwritingmaturity → signals → models
grade 4 ✓
⚖️
Four-eyes approvalmaker ≠ checker
approved ✓
🏦
Disbursalbooked to core
$4.25M ✓
The platform

One system for the entire commercial loan lifecycle.

Most lenders run origination, underwriting, closing, and servicing across disconnected tools. Meridian is a single spine — a deal moves through defined states, and documents, tasks, permissions, and controls all hang off where it is.

01IntakeReferral partners and borrowers submit deals into a triage queue.Prospect
02ApplicationThe officer structures the deal; a dynamic checklist builds itself.Submitted
03UnderwriteAI spreads and grades; an analyst validates and attests.Pending
04ApproveRouted to the right authority tier; the originator can't self-approve.Approved
05Close & fundConditions cleared, docs executed, four-eyes release.Active
06ServiceRecurring financials, covenants, and reviews scheduled at booking.Servicing
What makes it different

The features you can't buy off the shelf.

Generic loan systems stop at a document folder and a status field. Meridian models the things commercial credit actually runs on.

🗂️

Dynamic checklist with "we already have it"

The document list builds itself from the deal's product and structure, expanding as facts change. It reconciles against what you already hold — so of 50 required items, a borrower is only asked for the handful that are genuinely missing.

Synergy dedup · staged requests
🧮

Multi-entity cash flow

Business, global, personal, and a universal lens across every related entity — the view no off-the-shelf spreader gives you.

Entity graph traversal
📈

Funding readiness

Borrowers see an indicative amount their file supports, growing as they complete it — momentum, not a form.

Completion incentive
⚖️

Controls that route themselves

Approval authority follows amount and risk grade; separation of duties is enforced, not a policy PDF.

Authority matrix
🏛️

Configured, not coded

Set up branches and central credit, define loan products with their own document rules and approval tiers, and edit the approval-authority matrix — all as configuration. New program, new product template; no release required.

Org hierarchy · product templates
AI credit underwriting

AI that earns its place in the memo — and knows what it doesn't know.

Meridian doesn't hand you a black-box score. It works in confidence tiers: each layer only fires when the data beneath it is complete enough, and a named human validates every figure it produces.

✍︎
Human-in-the-loop, always.The AI drafts spreads, cash flow, and a risk grade with confidence scores. A qualified analyst reviews, adjusts, and attests — and the system records who accepted or overrode every number. The answer to "who's accountable for this figure" is never "the model."
Document verification & fingerprinting

Every document gets a fingerprint. Change one character and it shows.

On ingest, Meridian reads a document, then seals it with a SHA-256 content fingerprint. The hash is deterministic: identical files dedupe automatically, and any later alteration produces a different fingerprint — tampering is evident, not hidden. Try it below — this runs a real SHA-256 in your browser.

Sample document

Edit any figure — say, change net operating income — and watch the fingerprint change and the seal break.
SHA-256 fingerprintSealed · matches
computing…
Sealed baseline (on ingest)
—
  • ⧉
    Automatic dedup. A matching fingerprint means you already hold the file — so the borrower is never asked for it twice.
  • ✓
    Tamper-evident chain. Every version is hash-addressed and written to an immutable audit trail.
  • ⌾
    OCR & auto-spread. Financials are read and drafted into the spread — then held for analyst review.
Cybersecurity & controls

Borrower financials, protected like the money itself.

Security isn't a feature bolted on the side — it's how the platform stores a document, moves a dollar, and records who did what.

Document
tax_return.pdf
→
Encrypted with
DEK · AES-256-GCM
Data key (DEK)
per-document
→
Wrapped by
KEK · in KMS / HSM
Only the wrapped data key is ever stored in the database — never a usable key. A stolen database is useless without separate access to the KMS, and every decryption is logged. The key never shares a trust boundary with the data it protects.
⚖️
Four-eyes on money

The officer who originates a deal can never be the one who approves it or releases its funds.

maker ≠ checker
📜
Immutable audit log

Every state change writes who, what, when, and the before/after — the record an examiner asks for.

append-only
🔓
Realm isolation

Staff, borrowers, and referral partners live in separate identity realms. A borrower can't be granted staff access.

OIDC · Keycloak
🛡️
Row-level scoping

Access to a deal follows assignment and the borrower graph, enforced at the data layer.

RBAC + ReBAC
SHA-256fingerprint on every document version
AES-256envelope encryption, keys in KMS
4-eyeson every approval and disbursal
100%of actions on an immutable audit trail
See it on your portfolio

Modern lending, without giving up control.

Bring a real deal. We'll walk it from referral to disbursal — the AI underwriting, the document fingerprinting, and every control that keeps it examiner-ready.

Request a walkthrough → Explore the platform