Commercial Lending Software Complete Guide

A side-by-side look at how commercial differs from retail, and the capabilities that bridge the gap.

Built for multi-entity borrowers, multi-facility deals, and the delegated authority structures that real commercial credit demands.

Borrowers per deal

30+ — Facilities per application

Unlimited

Cross-collateralisation

Multi-property

Auto decision rate

99% in 3 s

DLA tiers

Multi-dimensional

Covenant tracking

Annual + breach

Retail vs Commercial: five things that change everything

The structural realities that commodity LOS platforms cannot handle.

Dimension

Retail

Commercial

Borrower Structure

Individual or joint applicants

Multi-entity: companies, trusts, partnerships, guarantors

Credit Assessment

Standardised scorecards

Financial spreading, ratio analysis, cash flow forecasting

Deal Structuring

Standardised products

Multi-facility, cross-collateral, staged funding, covenants

Approval Process

Simple authority tiers

Multi-dimensional DLA, four-eyes, committee submissions

Ongoing Management

Minimal post-settlement

Annual reviews, covenant monitoring, security revaluation

A real deal structure

One commercial transaction · seven entities · four facilities · two collateral pools.

Entities

Smith Family Trust

Primary borrower

Smith Holdings Pty Ltd

Corporate trustee

John Smith

Director · Guarantor

Mary Smith

Director · Guarantor

Smith Operating Co.

Co-borrower

Smith Property Trust

Security provider

Smith Investments LP

Co-borrower

Facilities

Commercial Property Loan

Term loan

$12.5M · 15y P&I

Working Capital

Overdraft

$2.0M · revolving

Equipment Finance

Chattel

$1.8M · 5y · PPSR

Acquisition Bridge

Bridge

$3.0M · 18m · staged

Delegated lending authority, by tier

Multi-dimensional authority (exposure, risk grade, product, security) enforced in workflow.

Committee

> $25M exposure

Board credit committee

Auto-generated credit paper

Senior credit

$5M – $25M

Two senior credit officers

Four-eyes required

Credit team

$500k – $5M

Credit officer + reviewer

Multi-dimensional authority

Auto

< $500k & low risk

Rules engine

3-second decision

Commercial use cases on one platform

01

SME Lending

Working capital · Acquisition · Expansion

$50k – $5M

02

Commercial Property

CRE · Commercial mortgages · Development finance

$500k – $50M

03

Asset & Equipment

Fleets · Machinery · Plant & equipment

$50k – $10M

04

Agricultural

Farm expansion · Livestock · Seasonal facilities

$100k – $20M

For commercial teams

Run your hardest commercial deal through Cloudcase

See how the UBOO blueprint handles 30-borrower deals, four-facility structures, and committee-grade authority.