Backed by Y Combinator Robinhood Ventures

Loan processing
for private lenders.

Send us a signed term sheet. We build the needs list, chase the borrower, title and insurance, and get the file to clear-to-close. You pay per file.

Send us a file
How it works

Term sheet in.
Clear-to-close out.

We work each file the way it actually goes: half the bank statements on the first try, an insurance binder with the wrong mortgagee clause, a title commitment that shows the wrong owner, an appraisal that runs late. We chase every item by email and text until the file is complete, and keep your loan software or tracker current as we go.

Intake Needs list

Borrower Document chase

Third parties Title, insurance, appraisal

Closing Clear-to-close

Why us

Chat tools read a document.
We get the file closed.

With ChatGPT, someone on your team still sends the needs list, chases the borrower and keeps the tracker current. We do all of it. Our own AI checks every document the day it arrives, and a US team handles the rest during your hours. No hire, no training, no minimum.

Today

  1. Send the needs list by hand
  2. Ask the borrower for the same bank statement three times
  3. Check the binder, title and appraisal one by one
  4. When volume spikes, files wait until someone has time

With Pollen

  1. Forward the term sheet and the borrower’s contact
  2. We send the needs list, chase every item and flag what’s wrong the day it arrives
  3. You get a complete file and a daily status note. Your underwriter makes the call.
Getting started

Your first file is free.

  1. 01Send us one file that’s waiting on documents.
  2. 02We work it to complete, with a status note every day.
  3. 03If you like the work, we price the next files per file.
  • Starts this week
  • Works in your loan software or a spreadsheet
  • No contract

We don’t make credit decisions or sales calls to your borrowers. Your team keeps those.

Send us a file
Security

Built for borrower data.

Bank statements, IDs, Social Security numbers and entity documents are encrypted in transit and at rest, hosted on SOC 2-audited infrastructure, and never used to train AI. See every control in our trust center.

Compliance

SOC 2 Type II in progress.

Encrypted everywhere

AES-256 at rest, TLS in transit, and private one-time links instead of shared portals.

Never used to train AI

We never train AI on your data, and neither does our model provider.

Your data stays yours

Role-based access and a full audit trail on every record. Delete anything, anytime.

Documents we work with