For Commercial Banking Teams
Get to a credit decision 75% faster. Without compromising auditability.
F2 is the AI platform for commercial lending teams that need speed and defensibility. Run end-to-end credit workflows with Excel-native analysis, audit-ready outputs, and full traceability built in.
The reality
Lending is constrained by process, not judgment
Data is everywhere
Financials, models, and borrower materials are spread across systems, requiring manual consolidation.
Analysis is rebuilt every time
Teams reconstruct models and reconcile inconsistencies instead of building on prior work.
Outputs are duplicated work
Credit memos are drafted from scratch, even when similar deals have already been evaluated.
Validation is slow
Testing assumptions across complex models takes time, limiting how deeply teams can underwrite.
Speed without control doesn't work in lending.
Most AI tools optimize for speed. But in banking, speed without auditability creates risk.
F2 is built differently.
The platform
The operating system for commercial lending teams
- Deal intake
- Ingest borrower financials from SharePoint, internal systems, and third-party sources. Automatically extract and structure tax returns, financial statements, and supporting documentation.
- Credit Analysis
- Spread borrower financials, validate assumptions, and run sensitivities directly on Excel models with full formula-level traceability. Assess risk ratings and flag concentrations.
- Credit Approval
- Generate credit memos and outputs aligned to your bank’s standards, fully traceable from source to decision
- Portfolio Monitoring
- Capture and reuse prior credits to benchmark decisions and enforce consistent underwriting across teams
Get Started
Product Flow
Ingest
Pull from SharePoint, internal systems, and borrower files
Connect to Moody's, S&P, and your internal loan origination systems. Automatically extract and structure financial data.
Analyze
Run sensitivities, validate assumptions, and surface risk
Execute analysis across full Excel models with formula-level fidelity.
Generate
Produce credit memos, charts, and reports
Fully aligned to your bank's templates.
Full Auditability
Every number is traceable. Nothing is a black box.
Every number traces back to its source. F2 preserves the full lineage of every data point, from the claim in your credit memo to the exact cell in the original model.
So your outputs don’t just look right. They stand up to credit committee scrutiny.
Why F2
- Purpose-built for lending workflows
- F2 is designed for how credit teams actually work, from borrower intake to credit approval. Not generic AI layered on top of your process.
- Excel-native AI. 95.25% accuracy on SpreadsheetBench Verified.
- F2 reads your formulas, resolves circular references, preserves cell dependencies and follows the logic of your actual spreadsheets. It works inside your models, not around them.
- Not a black box
- Every output is fully traceable. From credit memo to underlying Excel cell, you can see exactly how every number was derived. No hidden logic. No hallucinations.
I used this all of Christmas and it helped me a ton. I don’t really have a whole lot of time to be underwriting, start to finish, three deals at once and it definitely saved me a ton of time.
SOC 2 compliantRole-based accessDeployed in days