Wagoo

You drop in a deal package and get a formatted prescreen memo in under a minute. Wagoo parses every document, flags the critical numbers, and mirrors your internal memo template, so the first draft already looks like your work. The point is to get past the blank page and spend your time fixing judgment calls, not retyping figures.

The platform spreads financials, runs your credit models, and handles AI credit analysis while surfacing risk factors with citations back to the source document. When a number looks off, you can trace where it came from instead of trusting a black box. Finished memos export as a custom formatted DOCX and a full Excel workbook for committee review.

Every deal is tracked from origination through payoff. Borrower records, maturity schedules, insurance expirations, and renewal alerts live in one place, alongside loan-to-value and rate fields on a single board. Native links to your email and calendar mean a maturity date shows up next to the meeting where you'd talk about it.

Share a branded intake link and let borrowers apply online. Applications flow onto a pipeline board, required documents get collected automatically, and a file promotes straight into underwriting or the CRM once it's approved. That keeps intake, underwriting, and servicing in one system instead of three.

The AI assistant answers questions across your portfolio and extracts terms from documents. Any action that changes your book follows an approve-before-apply pattern, so the agent proposes and a person confirms before anything is written. For a tool touching loan data, that guardrail matters more than raw speed.

Wagoo runs on Supabase (PostgreSQL) on AWS in the United States, with row-level security isolating each lender's workspace at the database layer. Data is encrypted in transit and at rest, AI processing runs through Anthropic's API, and your data is never used to train models. The security page is written to be forwarded to whoever signs off on vendor risk.