Spreading starts with clean source data
Commercial lending, small-business underwriting, and embedded finance teams need structured income, expense, balance, cash-flow, and identity data. Cogneris extracts fields and tables from borrower packets, then ties every normalized value back to page evidence.
Borrower packet extraction
Bank statements, tax returns, paystubs, IDs, financial statements, and supporting documents.
Decision-ready normalization
Normalize periods, currencies, payer names, balances, transactions, and recurring deposits.
Review and audit
Route exceptions and keep citations for every value used in a credit decision.
Systems it feeds
Deliver validated JSON to LOS and underwriting workflows such as Encompass, nCino, custom credit platforms, embedded finance portals, and CRM-backed lending operations. Use webhooks for async document packets and review states.