Commercial Lending Software for Banks, Private Credit Funds, and Loan Brokers
Every loan file, ready before anyone opens it.
Applications, documents, bank statements, spreads, and lender matching in one platform. Your brand. Your credit policy. Your decision.
A sample loan file runs two ways at once. With Intrepid, documents, bank statement analysis, spreads, and lender matching all finish early on day one and the file is ready for credit review. The manual process is still not submitted at the end of day three.
Who it's for
One Platform for Each Side of a Commercial Loan
Institutional lenders and private credit funds underwrite and monitor on Intrepid. Loan brokers package and place deals on it. Each runs Intrepid its own way.
Institutional lenders
Community and state banks
Underwrite every file to your credit policy, then get an alert when a borrower crosses a threshold after funding.
- Underwriting to your own credit policy
- Bank statement analysis and automated spreading
- Covenant testing on your schedule or on demand
- No core integration required to start
Private credit
Private credit funds and non bank lenders
Screen every deal against your credit box, spread the financials, and track each borrower after funding.
- Every deal screened against your credit box
- Spreads and the credit memo in one system
- Portfolio monitoring and borrowing base updates
- Matched deal flow from brokers, if you want it
Commercial loan brokers
A white label application, one click submission, and a CRM for every deal.
- Your logo on the application, no code required
- You keep 100% of your commission
Lenders looking for deal flow
Commercial loan requests from brokers, sent only to the funding partners whose criteria fit.
- Matched on products, industries, states, revenue, and time in business
- Signed application, documents, and financial analysis in every package
Looking for financing for your business? If your broker or lender uses Intrepid, you apply through their branded application. For anything else, talk with our team.
What it is
Underwriting, Loan Packaging, and Portfolio Monitoring in One Platform
Intrepid is the software layer that collects a commercial loan file, analyzes it before anyone opens it, and keeps testing it after funding on the lender's schedule. Lenders run it under their own brand and credit policy. Brokers run it under theirs.
01 of 06
Bank statement analysis
Cash flow, deposits, NSF events, negative balance days, merchant cash advance detection, and fraud flags, structured for review.
02 of 06
Spreads, ratios, and credit memo inputs
Run with the lender's own formulas, including debt service coverage ratio, current ratio, working capital, tangible net worth, and leverage.
03 of 06
Portfolio monitoring and covenant testing
After funding, borrower financials are tested against the lender's thresholds on its schedule or on demand, with an alert when one is crossed.
04 of 06
Lender matching
The Waterfall compares each deal with each lender's products, prohibited industries, state restrictions, minimum revenue, and time in business.
05 of 06
Branded applications and documents
Borrowers apply once through the lender's or the broker's branded application, and the required documents are requested and tracked.
06 of 06
Data connections
On lender accounts, bank accounts connect through MX and accounting data through Codat and QuickBooks, all read only. Salesforce, Zapier, APIs, and webhooks are also available.
How it works
How Intrepid Works, from Application to Monitoring
The same platform behind every step, whether you lend or broker.
- 01
Apply once
One standardized application under the lender's or broker's brand, across funding types.
- 02
Collect the documents
Borrowers upload through the branded application. On lender accounts, they can also connect bank and accounting data.
- 03
Analysis, done before review
AI is used as a document analysis tool, not as a decision making system.
- 04
Review and decide
Lenders review each file against their own credit policy. Brokers send each package to the lenders whose criteria fit.
After funding
Monitoring continues
Lenders test covenants on their schedule or on demand. Brokers keep every contact, deal, and document for the next deal.
Outcomes
Results on Intrepid So Far
One partner bank, a published TechPoint case study, and volume on the platform today.
Intrepid Finance was founded by Steve Iskander, a serial entrepreneur with more than 20 years in finance, private equity, and technology and two prior exits. Its board advisors bring commercial banking, corporate law, and capital formation experience.
4-6×
Underwriting volume, same staff
Observed at one partner bank with Intrepid. Same staff. Reference available on request.
68%
More deal volume for brokers
Brokers on Intrepid saw 68% more deal volume in Intrepid's published case study with TechPoint.
TechPoint case study$1B+
In transactions on the platform
Run on the Intrepid platform, with financial analysis on deals up to $50 million and lenders funding up to $100 million.
150+
Brokers and lenders onboarded
Brokers and lenders onboarded onto the Intrepid platform.
- Review time dropped from hours to minutes on real files.
- Deal packaging that once took two to three days can now be done in under an hour.
- Built after 200+ interviews with bankers, credit officers, and small business borrowers, before the first line of code.
- TechPoint Mira Awards nominee and ACG Indiana 2026 Annual Corporate Value Awards winner.
Security
Ready for Your Vendor Due Diligence
Intrepid shares security documentation during vendor due diligence and welcomes third party risk reviews.
- AES-256 field level encryption for sensitive personal data, TLS for data in transit, and a 35 day backup retention window.
- Bank and accounting connections are read only, so the platform cannot move money or change borrower data.
- When AI processing is required, only the minimum necessary document text is sent to the AI provider, which may keep request and response logs for 30 days at most.
SOC 2AuditedType I and II reports
ISO 27001CertifiedInformation security
ISO 42001UnderwayAI management
Amazon Web ServicesHostedCloud infrastructure
Microsoft SSOSupportedSingle sign on
Why Intrepid
Why Intrepid Is Different
What credit teams and brokers notice first.
Your credit policy, not a black box
Every file is analyzed against your own credit policy, thresholds, and formulas, and your credit team can see the inputs.
Monitoring that continues after closing
Covenant tests run on your schedule or on demand, so the borrower conversation happens early, not at the next annual review.
Files arrive already spread
Spreads, ratios, and memo inputs are ready before anyone opens the file, so analysts spend their time on judgment.
Never competing for the relationship
Lenders keep their borrowers, and brokers keep their clients and their commission.
In plain terms
What Intrepid Finance Is, and Is Not
Intrepid is
- Software for commercial lendingSold by subscription, with no per deal fees and no spread.
- One system from application to monitoringDocuments, analysis, lender matching, and covenant testing in one place.
- Your brand on every borrower screenPrivate labeled for lenders and white labeled for brokers.
- Connected to the systems you runAPIs and webhooks, plus read only bank and accounting data.
Intrepid is not
A lenderLenders extend the credit. Intrepid prepares the file.The decision makerYour credit team makes every credit decision.A lead listEach deal goes only to the lenders whose criteria it fits.In the flow of fundsIntrepid takes no spread and does not participate in the credit.
Intrepid Finance is headquartered in Fishers, Indiana. It holds SOC 2 Type I and II reports and ISO 27001 certification, with ISO 42001 underway, and connects to MX, Codat, QuickBooks, Salesforce, and Zapier.
FAQ
Common Questions About Intrepid Finance
What is Intrepid Finance?
Intrepid Finance is a financial intelligence platform for commercial lending. Community and state banks and private credit funds use it to collect applications and documents, analyze bank statements and financials, underwrite to their own credit policy, and monitor loans after funding. Commercial loan brokers use it for a white label client application, lender matching, and lender ready packages. Intrepid is headquartered in Fishers, Indiana.
Who uses Intrepid Finance?
Intrepid Finance is used by community and state banks, private credit funds and other non bank lenders, and commercial loan brokers. Lenders that want matched commercial loan deal flow join as funding partners. Financial advisors and partner organizations use it to package financing requests for their business clients. Business owners apply through the branded application of a broker or lender that uses Intrepid.
How do community banks use Intrepid Finance?
Community and state banks use Intrepid Finance to underwrite commercial loans to their own credit policy. Borrowers apply through the bank's branded application, Intrepid analyzes bank statements and spreads the financials before review, and the bank's credit team makes every credit decision. After funding, covenants are tested on the bank's schedule or on demand, with an alert when a threshold is crossed. No core integration is required to start. See Intrepid for community and state banks.
How do private credit funds use Intrepid Finance?
Private credit funds and other non bank lenders use Intrepid Finance to screen every deal against their credit box, spread the financials, and keep the credit memo inputs in one system. After funding, the platform tracks each borrower with portfolio monitoring and borrowing base updates. Funds can also join as funding partners to receive commercial loan deals from brokers, matched to their lending criteria. See Intrepid for private credit.
Is Intrepid Finance a lender or a broker?
Neither. Intrepid Finance is a financial intelligence platform. As its Legal Notices state, it is not a lender, broker, financial advisor, or fiduciary unless expressly stated otherwise in writing, and it does not extend credit. It is never in the flow of funds.
How does Intrepid Finance use AI?
Intrepid Finance uses AI as a document analysis tool, not as a decision making system. It extracts structured information from financial documents, such as transaction records, account balances, financial statement fields, and tax form data. It does not make lending decisions or generate credit opinions, and its analyses and matching outputs are subject to the lender's independent review. See the AI Disclosure for details.
How is Intrepid Finance priced?
Intrepid Finance is subscription based, with no per deal submission fees, and it takes no spread. Lender pricing is set by volume, feature set, and term length, with month to month and annual agreements available, and broker subscriptions are scoped to each brokerage. For pricing, talk with our team.
How does Intrepid Finance protect data?
Intrepid Finance holds SOC 2 Type I and Type II attestation reports and ISO 27001 certification, with ISO 42001 certification underway. Sensitive personal data is encrypted at the field level with AES-256, data in transit travels over TLS, uploads are scanned for malware, access follows least privilege, and backups are kept for 35 days. The platform runs on Amazon Web Services. See the Trust Center for details.
How do I get started with Intrepid Finance?
To get started with Intrepid Finance, schedule a demo, and our team will walk you through the platform and the plan that fits your bank, fund, or brokerage.
More questions? See the full Intrepid FAQ or call 833.366.6396.
See How Intrepid Works for Your Team
We'll walk you through the platform and the plan that fits your bank, fund, or brokerage.
No core integration required to start. Subscription based, no per deal fees.