Solutions / Program Lending
Infrastructure built for regulated lending programs
USDA B&I, SBA 7(a), HUD 223(f), and other regulated programs — each with its own documentation, citations, and examiner expectations. CORE embeds all of it into your workflow.
The problem
Program lending runs on institutional memory
Regulated lending programs have specific, auditable requirements. Most teams meet them through experience and effort—not infrastructure.
CFR compliance that depends on analyst memory
Audit trails assembled after the fact
Document checklists maintained in spreadsheets
Memos that reference regulations without linking to them
How CORE solves it
Compliance built into the workflow
Instead of relying on analysts to remember every CFR reference and checklist item, CORE embeds program requirements directly into the deal workspace.
Citations that validate themselves
Credit memos automatically reference applicable CFR sections for your program. Citations validate in real time against current regulatory text. Examiners see the references; your team doesn't have to look them up.
Checklists that know the program
Select your lending program and the document checklist auto-populates with its requirements. No more maintaining separate spreadsheets per program.
Every decision already documented
Every analysis decision, memo edit, and document action is logged. When OCC or state examiners review a file, the evidence chain is already complete.
Every claim traced to source
Every claim in the credit memo links to its source document. Click a citation and see the exact page, passage, and document. Defensible by default.
Deal lifecycle
How a program deal flows through CORE
From program selection through committee-ready output, every phase is structured, tracked, and documented.
Deal intake & program selection
Select the lending program and CORE configures the workspace. Document checklists, regulatory references, and stage gates populate automatically based on program requirements.
Staged collection & validation
Borrowers see what's needed now — not 40 items on day one. Requirements release in phases as the deal progresses through application, financial package, appraisal, and environmental stages. Your team sees exactly what's received, what's missing, and what's blocking the next stage.
Analysis & memo drafting
Financial analysis flows directly into memo sections. DSCR calculations, collateral assessments, and borrower financials link to source documents. AI assists with narrative drafting; analysts review and approve every section.
Review, approval & export
Senior reviewers and credit committee members see a complete package: memo, supporting documents, regulatory citations, and full audit trail. Export to PDF, Word, or directly to your committee presentation format.
See CORE handle a program lending deal
We'll walk through a deal workflow for your program. Bring your checklist requirements and we'll show you how CORE handles them.