Name: Graphline
Price: 18000 USD

Question 1

What is the loan definition layer?

Accepted Answer

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.

Question 2

How do I work with Graphline today?

Accepted Answer

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.

Question 3

Does Graphline replace my servicing system?

Accepted Answer

No. Graphline runs upstream of Mortgage Office, Mortgage Automator, Liquid Logics, Strategy, McCracken, MSP, or your proprietary system. We feed each one the right definitional terms; your servicing platform remains authoritative for transactional data such as balances, payments, and escrow movements.

Question 4

What does Graphline do for me after a loan closes?

Accepted Answer

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.

Question 5

What loan documents does Graphline need?

Accepted Answer

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.

Question 6

Can our own AI agents read from Graphline?

Accepted Answer

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.

Question 7

How does Graphline handle yield maintenance?

Accepted Answer

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.

Question 8

How does Graphline handle reserves and construction draws?

Accepted Answer

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.

Question 9

How does Graphline handle modifications and amendments?

Accepted Answer

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.

Question 10

How fast does Graphline produce results?

Accepted Answer

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.

Question 11

How does Graphline reduce calculation risk?

Accepted Answer

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.

Question 12

Does Graphline integrate with Lightning Docs, GoDocs, or Doss Docs?

Accepted Answer

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.

Question 13

Is my borrower data secure?

Accepted Answer

Yes. Graphline is GLBA Safeguards-aligned and SOC 2 Type II in progress. 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.

Question 14

What does Graphline cost?

Accepted Answer

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 canonical 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 definitional-drift audit on every loan ingested. Stage 3 is ongoing per-loan or monthly subscription as new loans close. Plans start in the low five figures annually for small private lenders. A single prevented calculation error pays for the year.

Question 15

Can Graphline audit my existing portfolio?

Accepted Answer

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.

Apply with one closed loan.