Credit workflow platform
Underwriting workflow in minutes, from the model you already use.
Modern and Compliant revitalization of your lending processes through deterministic math, sourced figures, and multi layered QA gates all based on your firm's policies and credit voices.
- Deterministic engine
- SOC 2 Type II in progress
- Human in the loop by design
All templates are customizable to your firm's styling preferences — layout, branding, and committee format.
Lucent Flow · Generated output
Credit Analysis
Deal No. 0047
May 20, 2026
Confidential
- Borrower
- Oak Ridge Holdings, LLC
- Property
- 124 unit multifamily · Denver, CO
- Loan request
- $14,200,000
- Purpose
- Stabilized acquisition financing
1.0 Executive summary
The loan supports acquisition of a stabilized multifamily asset with in place occupancy of 94.2%. Repayment is sourced to in-place cash flow at an underwritten 6.5% cap rate.
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Built for credit teams
Deterministic math · AI never touches calc
Not hours · import through export
Cells exported without a traced source
Specialized agents per workflow
Underwriting workflow
Consistent workflow map from discovery call to final closing.
Specialized agents handle mapping, drafting, and policy checks. Calculations stay on the deterministic engine so committee can audit any figure back to the model.
Step 1 of 6 · Ingest Agent
Import deal
Ingest Agent analyzes data in a comprehensive and holistic manner and notes crucial details. Tabs, named ranges, and prior firm mappings are remembered for the next deal.
| Property | Value | Source |
|---|---|---|
| Property | Oak Ridge Apts | Tab 1 · B3 |
| NOI | $1,352,000 | Tab 2 · C14 |
| Loan amount | $14,200,000 | Tab 1 · C8 |
| Cap rate | 6.5% | Appraisal |
| DSCR | 1.29x | P&I · Row 42 |
412 cells mapped · 12 named ranges remembered
Sensitivity testing
Stress testing, with a smarter and visualized underwriting workflow.
Move any input: rate, cap, occupancy, NOI, and watch coverage, LTV and yield recalc instantly from sourced inputs. No re keying.
- Effective rate
- 6.25%
- Annual debt service
- $1,049,182
- As stabilized value
- $20,800,000
Above policy floor 1.20x
Within band 65–70
Strong yield
| Scenario | DSCR | LTV | Yield |
|---|---|---|---|
| Base case | 1.29x | 68.3% | 9.5% |
| NOI −10% | 1.16x | 75.9% | 8.6% |
| Rate +100 bps | 1.16x | 68.3% | 9.5% |
| Cap rate +25 bps | 1.29x | 70.9% | 9.5% |
| Occupancy −5pt | 1.22x | 72.1% | 9.0% |
| Stress combined | 1.10x | 76.5% | 8.8% |
AI · clearly bounded
AI drafts the language for human review. The engine owns the math.
Calculations never leave the deterministic engine. AI is constrained to drafting in your firm's voice, with sourced values it cannot rewrite.
The sponsor demonstrates sufficient liquidity to support debt service during the bridge term, with stabilized occupancy at 94.2% and an underwritten exit at a 6.5% cap per firm policy §4.2 language.
Matches your firm's standard sponsorship paragraph. Locked numerics stay tied to the model.
AI assistant
- Drafts analysis language
- Maps inputs to firm fields
- Flags missing inputs
- Matches your firm's tone
Deterministic engine
- Runs DSCR, LTV, yield
- Owns trace links
- Enforces policy rules
- Blocks export on break
Audit trail by default. Every edit is logged with editor identity. The model cannot change sourced figures.
Governance
Lucent and the regulations you actually answer to.
Regulators expect explainability and monitoring, not vendor certification. Lucent operationalizes that with traceable logic, review gates, and audit ready documentation.
01
OCC · Fed · FDIC
Model governance, validation, monitoring, documentation.
Traceable logic, recorded inputs and outputs, and review before approval. Every figure links back to the model that produced it.
Source-tied mathReviewer sign-offVersioned audit log✓ Supported
02
CFPB
Explainable adverse action; fair lending monitoring.
Source tied factors, plain English explanations, and flags surfaced before decision, never after the fact.
Plain English reasonsDisparate-impact flagsPre-decision review✓ Supported
03
Internal policy
Your committee, your guardrails.
Policy floors (DSCR, LTV, debt yield), watchlist bands, and forbidden phrasing live in your firm's template and block export when breached.
Policy rule libraryWatchlist bandsForbidden phrase scrub✓ Supported
04
Your team
Human accountability beats AI branding.
Workflow your analysts review, edit, and approve. Speed without losing control or traceability.
Human-in-the-loopEditor identity loggedNo silent AI overrides✓ Supported
Tailored to your book
Same workflow. Different deal types.
Policy rules, analysis structure, and validation checks follow your firm. Switch the deal type. The workflow stays the same.
Sample deal
Multifamily · Denver, CO
Asset first bridge: exit strategy, LTC, as stabilized LTV, documented and QA gated before export.
- Sources and uses table reconciled
- In-place vs stabilized DSCR traced to model
- Exit to agency refi required for export
Policy rules · active
Live output
Every value, traced.
Hover any underlined number in the credit analysis below. Lucent tells you exactly which tab, row, and cell produced it, and refuses to export if that link ever breaks.
All templates are customizable to your firm's styling preferences — layout, branding, and committee format.
Hover any underlined value
Lucent Flow · Generated output
Credit Analysis
Deal No. 0047
May 20, 2026
Confidential
- Borrower
- Oak Ridge Holdings, LLC
- Property
- 124 unit multifamily · Denver, CO
- Loan request
- $14,200,000
- Purpose
- Stabilized acquisition financing
1.0 Executive summary
The loan supports acquisition of a stabilized multifamily asset with in place occupancy of 94.2%. Repayment is sourced to in-place cash flow at an underwritten 6.5% cap rate.
2.0 Key credit metrics
| Metric | Value | Source |
|---|---|---|
| Debt service coverage (DSCR) | 1.29x | P&I · Row 42 |
| Debt yield | 9.5% | NOI ÷ loan principal |
| Stabilized NOI | $1,352,000 | Tab 2 · C14 |
| As stabilized LTV | 68.3% | Summary · D9 |
| As stabilized value | $20,800,000 | Conclusion p.18 |
Figures update when the linked workbook changes. Export blocked if trace links break.
3.0 Repayment and exit
Primary exit: refinance to agency permanent debt at maturity. Sensitivity to a +100 bps rate move yields DSCR 1.16x.
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Schedule a Demo
Bring a live deal. We'll run it on the call.
We run your actual model through import, validation, and export during the demo. No generic deck. Forty five minutes, your data, your committee format.
12 min
Median import → export on the call
100%
Of figures traced to your model
0
Calculations performed by the LM
6
Specialized agents in the workflow
Prefer email? hello@lucentflow.co
Tell us about your firm
Three quick fields. We'll keep it brief.