For Commercial Banking Teams
Get to a credit decision 75% faster. Without compromising auditability.
F2 gives commercial lending teams AI-powered workflows that are fast enough to win deals and defensible enough to satisfy the credit committee.
The reality
Lending is constrained by process, not judgment
Data lives everywhere
Financials, models, and borrower materials are spread across systems, requiring manual consolidation before any real analysis begins.
Every deal starts from scratch
Teams rebuild models and reconcile inconsistencies deal after deal, spending hours on processes that should take minutes.
Credit memos are reinvented, not refined
Memos get drafted from zero even when your team has evaluated nearly identical credits before.
Your best underwriters are doing analyst work
Senior credit talent spends its time on spreading and formatting instead of judgment, the one AI can't replace.
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. F2 automatically extracts and structures financial audits, operating models, and supporting documents, so analysis starts where data ends.
- 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
- Track performance against underwriting assumptions and benchmark new credits against prior decisions. Consistent standards across deals, across teams, over time.
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
Model scenarios, 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.
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