Define the loan once.
Sync it everywhere.
Graphline is a teammate you direct, for private CRE lenders. Graphline reads your executed loan documents, defines the loan once, and keeps every system in sync, from servicing and reserves to covenants, reporting, and payoffs. You email it like anyone on your team, and every answer traces back to the document.
Email it like anyone on your team.
Graphline lives in your inbox, not in another dashboard to log into. Let it know when the executed documents are available. It reads the docs, defines the loan, and sets up your servicing system. Ask it a question in plain English and it replies with the answer and the clause it came from.
No new system to learn. No setup on your own domain. You get an email address for your teammate, and your team works the way it already does.
The payoff is ready for your review.
Principal, accrued interest, and fees pulled straight from the note and the modification. No prepayment premium, the minimum-interest period is satisfied. Every figure traces to a clause. Approve and I'll issue the letter.
Ask anything about any loan in your book.
Not just the math. Email a question about any executed document and get the answer back with the exact clause it came from. The kind of question a senior person answers from memory, returned in seconds with the citation attached.
“Is the arbitration provision in this loan binding or non-binding?”
Binding. The note requires final, binding arbitration for any dispute, with a narrow carve-out for injunctive relief.
“What is the payoff on this loan as of month-end, with per diem?”
Principal, accrued interest, and fees, computed by the deterministic engine and shown to the day. No prepayment premium, the minimum-interest period is satisfied.
“What triggers due-in-full on this loan, and when does it mature?”
Maturity is fixed, with acceleration on sale or transfer of the property and on an uncured event of default. Each trigger is quoted back to you.
Every answer works the same way under the hood: read from the executed document, returned with the clause, never invented at query time.
It watches the portfolio so your team doesn't have to.
Every morning, Graphline sends a brief on the whole book and flags what needs a person.
Deadlines before they slip
Maturities and extensions coming due, reporting that is overdue, rate resets and reserve replenishments on the calendar.
Risk it read in the documents
Covenants drifting toward a breach, reserves locked on a condition that has not been met, terms in a system that no longer match the executed docs.
Open borrower questions
Requests it is tracking and ready to answer with the cited clause, waiting only on your sign-off.
And it offers to act
Draft the reminder, prep the payoff, build the servicing import. Your team approves before anything leaves the firm.
The executed loan doc is the most authoritative source of truth in a loan's life.
The same loan terms set in the executed documents (rate schedule, reserve mechanics, prepayment provisions, covenants, reporting requirements) are re-keyed by hand into 3 to 7 different operational systems. The servicing platform. The covenant tracker. The asset management system. Reserve and draw spreadsheets. Investor reporting templates.
Re-keyed, re-interpreted, and slowly degraded across every downstream system that depends on them. When any of those systems get out of sync with what the loan actually agreed to (which is often), the lender absorbs the cost. Six-figure payoff calculation errors. Missed covenant tests. Incorrect reserve disbursements. Late reporting.
All trace to the same root cause: definitional drift between the loan documents and the systems that supposedly reflect them.
How it works
We read your executed loan documents.
Note, Mortgage, Prepayment Rider, modifications, side letters. Our reasoning model extracts the definitional terms (rate, amortization, prepayment, reserves, draws, covenants, reporting), with every term traced to a source-document snippet.
We define the loan once, in one structured record.
Your operations team reviews and approves. The structured loan record is now the source of truth: versioned, auditable, exportable.
Every system that depends on it reads from one source.
Servicing platform. Covenant tracker. Reserve schedule. Reporting templates. Payoff calculations. Every workflow downstream gets the right answers from one canonical source.
Why our math is right across every workflow.
Most AI tools let a language model do the arithmetic. We don't. Language models hallucinate dollar figures.
Graphline splits the workload. Our reasoning system extracts loan terms (rate, amortization, prepayment formula, reserve mechanics, covenant thresholds) directly from your executed loan documents, with the source snippet shown on every field. A deterministic calculation engine then does the math.
This applies to every calculation Graphline runs: payoff statements, reserve disbursements, covenant tests, modification accruals, regulatory reporting. Every dollar comes from arithmetic, not inference. Every input traces to a page, line, and quoted snippet from the loan document.
If the calculation is ever wrong, you can prove it. So can we.
The pain isn't theoretical.
“The biggest challenge is setting up the loans correctly in the first place.”
Loan operations team, private CRE lender
“Last quarter we lost $100,000 on a wrong payoff calculation. The borrower wouldn't return it. We had to absorb the loss.”
CEO, same private CRE lender
Same lender. Two operational layers feel it differently: operations in hours, leadership in dollars. Same upstream cause.
One source for every downstream workflow.
Once the loan is defined and approved, every team stops re-interpreting the same documents in parallel.
Board the loan correctly the first time.
Rate terms, amortization, payment rules, maturity dates, and amendment history stay aligned with the executed documents instead of drifting at boarding.
Keep covenants, reporting, and exceptions on the same definition.
Covenant thresholds, borrower reporting requirements, reserve triggers, and review timelines all read from the same defended loan record.
Drive payoff, reserve, and modification math from one record.
The same approved loan definition powers payoff statements, reserve disbursements, accruals, and amendment processing without manual re-keying across teams.
The point isn't that Graphline adds another system to babysit. It's that the same defended definition of the loan feeds the workflows your team already owns.
One record. One interpretation. Servicing, reserves, compliance, reporting, and payoff all stay aligned with what the loan actually agreed to.
Apply with one closed loan.
We'll show you what Graphline sees.
We're building Graphline with a select group of private CRE lenders, running it on real portfolios. Apply with a short note about your firm. If you're a fit, we'll send a secure upload link for one recently closed loan, define it in canonical form, surface anything that has drifted across your systems, and walk you through what working together would look like.
If we find something, we'll show you how Graphline would have caught it. If we find nothing, you'll have a clean independent review on file at no cost.
No pitch deck. No commitment until you've seen it on your own paper.
Built for the audit, not around it.
Every Graphline action is logged immutably. Every calculation traces to a source document. Every quote and every system update is signed off by a human approver before it leaves your firm.
Frequently asked questions
What is the loan definition layer?
The executed loan doc is the source of truth for what a loan agreed to: the rate schedule, amortization, prepayment provisions, reserves, draws, covenants, reporting requirements. Once the loan closes, that truth changes only by amendment. The loan definition layer is the structured record of those terms, anchored to the documents that set them. Servicing platforms hold the transactional layer (balance, payments, escrow movements). Graphline holds the definitional layer canonically and synchronizes it into every operational system that depends on it.
How do I work with Graphline today?
Through the design partner program. We are building Graphline with a select group of private CRE lenders, running it on real portfolios before opening general access. Send a short note about your firm using the apply link. If you are a fit, we send a secure upload link for one recently closed loan, define it in canonical form, show you what we see, and walk through what working together would look like. If the fit is right, we move into a paid pilot from there.
Does Graphline replace my servicing system?
No. Graphline sits between your executed documents and your servicing platform. It reads the closed loan and feeds Mortgage Office, Mortgage Automator, Liquid Logics, Strategy, McCracken, MSP, or your proprietary system the right terms. Your servicing platform stays authoritative for transactional data such as balances, payments, and escrow movements.
What does Graphline do for me after a loan closes?
Reserve disbursements and draws, covenant tests, modification and amendment processing, regulatory and investor reporting, asset management dashboards, and payoff calculations. Anywhere a downstream system needs to know what the loan actually agreed to, Graphline is the canonical source.
What loan documents does Graphline need?
The Note, Mortgage or Deed of Trust, and Prepayment Rider at minimum. Modification agreements, side letters, and reserve agreements where applicable. Plus a current loan-state export from your operational systems so we can identify drift. The application email itself does not require any documents. We send a secure upload link if your firm is a fit.
Can our own AI agents read from Graphline?
Yes. Graphline exposes the canonical loan record over an MCP server. Any agent your team builds (portfolio Q&A, exception triage, covenant monitoring, internal copilots) can call it as a tool and get the same defined truth your operational systems read from. The reasoning happens once, upstream, with the documents. Everything downstream reads a structured record. No model rewrites loan terms at query time.
How does Graphline handle yield maintenance?
The reasoning model extracts the yield maintenance formula directly from your Prepayment Rider, including the reference Treasury benchmark, spread, and reference date convention. The deterministic calculation engine then performs the present-value math using current Treasury data from FRED. Every input and every step is traceable to a source-document snippet.
How does Graphline handle reserves and construction draws?
The reasoning model extracts reserve mechanics (funded versus held-back, tiered structures, draw conditions, replenishment triggers, holdback releases) from the executed loan documents. The deterministic engine tracks balances and disbursement eligibility against the abstracted rules. Reserve drift between the loan documents and your spreadsheet or servicing system is flagged on every loan ingested.
How does Graphline handle modifications and amendments?
Modification documents are ingested, abstracted, and version-stamped on top of the original loan record. Every downstream system gets the new definitional terms with full provenance. Old terms remain in the audit trail with their effective date range.
How fast does Graphline produce results?
Once a loan is in the canonical definitional layer, lookup answers are immediate: covenant test results, reserve eligibility, current rate and amortization terms, modification provenance. For workflows that require calculation against the loan terms (payoff quotes, yield maintenance, defeasance estimates), end-to-end is 5-10 minutes from documents submitted to approval-ready output, plus 5-10 minutes of senior associate review. Compare to 1-3 hours of manual work for the same complex workflow today.
How does Graphline reduce calculation risk?
Two ways. First, the calculation engine is deterministic. It cannot hallucinate a number. Second, every output is verified by a parallel calculation path before release for human review. If the two paths disagree by even a dollar, the system blocks the quote and flags it.
Does Graphline integrate with Lightning Docs, GoDocs, or Doss Docs?
Lightning Docs, GoDocs, and Doss Docs are document-automation vendors that generate executed loan documents at origination. Graphline reads those same documents post-close and abstracts the definitional terms. The architectures are complementary: origination upstream, abstraction layer downstream. Partnership conversations are in motion.
Is my borrower data secure?
Yes. Graphline is GLBA Safeguards-aligned. All data is encrypted in transit and at rest, with role-based access control and an immutable audit log. Customer data is not used for cross-customer model training without explicit contractual permission.
What does Graphline cost?
Pricing scales with the loans you close, and the engagement is built in three stages so you can start small and grow. Stage 1 is the design partner application, which includes a no-cost review of one closed loan. Stage 2 is existing-portfolio ingestion, a one-time integration fee that scales with loan count and includes a full drift audit on every loan ingested. Stage 3 is ongoing per-loan or monthly subscription as new loans close. We set pricing with each design partner. A single prevented calculation error pays for the year.
Can Graphline audit my existing portfolio?
Yes. Existing-portfolio ingestion is a paid one-time service: we abstract your backlog of closed loans into the canonical definitional layer and surface every place your operational systems disagree with what each loan actually agreed to. The integration fee scales with loan count. Most design partners start with the one-loan canonical review, then engage portfolio ingestion once they have seen the value. New loans going forward are covered under the ongoing subscription.
A clear line through a noisy market.
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