The growth engine your bank has been looking for.
Foundry’s Commerce and Advanced expansions give your bank the power to originate without limits and service with ease — winning the commercial, specialty, and strategic deals that used to be out of reach, with the risk controls to back them.
Three tiers, one platform
Not a replacement. An expansion.
Your core books retail loans today. Foundry climbs from there — consumer, to commercial, to the strategic deals that used to be out of reach. Same engine, same ledger, same servicing pipeline.
SMB and mid-market lending — structured, but still standardized.
- Structured commercial loans — every commercial loan imaginable
- Commercial cards with inline expense reporting, AI-assisted matching & reconciliation
- Business approval chains and tiered banking services with promo rates & discounts
- Asset-based lending: ABL, AR factoring, inventory, equipment, CRE bridge
- Operate like a capital partner: mezzanine, unitranche, convertible debt, preferred equity, revenue-based, participation, syndication, SPV-backed
Where this tier plays
Deals you can now win
- A $4M unitranche for a regional manufacturer
- A $2M AR facility with weekly borrowing-base updates
- Equipment finance for a growing logistics fleet
The breadth
28 structures. One lending engine.
From a consumer auto loan to an SPV-backed unitranche — every structure runs on the same underwriting gate, the same GL, and the same risk model.
Every structure runs on one decision gate, one GL, and the same credit lifecycle model.
The difference
Banks spent the last decade digitizing forms. We rebuilt the operational fabric underneath the process itself.
Faster decisions aren’t a feature we bolted on. They’re what happens when origination, underwriting, servicing, and the ledger run on one engine — not five systems stitched together.
| Loan type | Industry today | With Foundry |
|---|---|---|
| Consumer | 3–7 days | <1 hour |
| HELOC | 2–6 weeks | <3 days |
| SMB | 1–3 weeks | <24 hours |
| Commercial | 20–30 days | 3–5 days |
| Mortgage | 42–45 days | 7–10 days |
Representative time-to-decision targets. Actual times vary with policy, complexity, and configuration.
See for yourself
Servicing & origination made easy.
Product walkthrough videos coming soon.
Manage the risk
Bigger deals, fully accounted for.
Punching above your weight only works if you can see the risk. Foundry’s credit lifecycle model runs from origination to recovery — no spreadsheets, no blind spots.
Origination
One decision gate underwrites and books — GL entry written the same second.
Performing
AI-assisted monitoring tracks covenants, borrowing bases, and cash flow continuously.
Early warning
Deterioration signals surface before they become losses, flagged to the right team.
Deterioration
Risk grades migrate automatically; reserves and watchlists update in real time.
Workout
Restructure, forbear, or escalate inside the same governed workflow.
Recovery
Cure paths and recovery tracked to close, with a full immutable audit trail.
Lend like a bank ten times your size.
Foundry retail ships with Nucleus BankOS. Commerce and Advanced unlock commercial, specialty, and strategic lending — with Clara AI Advanced driving the AI workforce. Fabric extends Foundry’s lending engine into embedded credit and full BaaS.