codename: Sterling · Commercial lending
Lender-ready cases,
in minutes not hours.
Sterling runs a broker’s entire pre-submission workflow autonomously, enriching financials, detecting the right products, screening against lender rules and chasing missing documents. You get a submission-ready case pack. It recommends; you always decide.
- 15–20 min
- per case, vs. 4–6 hrs manual
- 5 products
- auto-detected per deal
- Recommends
- never decides for you
The deal is won on speed. The admin kills it.
Every commercial case means the same grind: reading bank statements and accounts, looking up the company, working out which lender products fit, checking decline criteria, and emailing the borrower for the three documents they forgot. It’s 4–6 hours of skilled work per file, and it’s the bottleneck between a hot enquiry and a submitted case.
How it works
One application in. A lender-ready case out.
- 1
Intake
The borrower's application and documents land by email. Sterling reads and structures them automatically.
- 2
Detection
It works out which of the lending products the deal fits, including multi-facility scenarios.
- 3
Enrichment
Company financials are pulled from Companies House and attached to the case.
- 4
Screening
The deal is checked against each lender's decline rules before it ever goes out.
- 5
Case pack
A structured, submission-ready summary is staged for your review and sign-off.
Capabilities
Everything between enquiry and submission.
Document processing
Bank statements, filed accounts, ID and credit reports parsed and structured, no manual data entry.
Companies House enrichment
Company lookups and financials pulled automatically and attached to the case.
Product & facility detection
The right lending products matched to each deal, including blended multi-facility structures.
Decline-rule screening
Configurable lender criteria, turnover, sector, purpose, credit, checked before submission.
Automated borrower comms
Sterling chases the missing documents and clarifications, so you don't have to.
Pipeline visibility
Every case and its status in one view, what's ready, what's waiting, what's at risk.
What you get
A case pack you can actually submit.
Not a chat transcript, a structured summary with the financials, the product fit, the screening result and a clear recommendation. Every claim is backed by the source document, so you can trust it at a glance and sign off in minutes.
Sterling never makes the lending decision. It does the legwork and hands you a defensible recommendation, the call is always yours.
- Borrower
- ACME Trading Ltd · est. 2014
- Facility detected
- SME term loan + bridging (blended)
- Companies House
- Filings & accounts attached ✓
- Decline screening
- Passed · 0 flags against lender criteria
- Outstanding docs
- None, borrower chased & complete
- Recommendation
- Submit to Lender A · broker to confirm
Who it’s for
Built for UK commercial lending.
- Solo & specialist brokers
- Growing brokerages
- Multi-product firms
- Specialist packagers
- Lender BDM teams
The case packs come back so complete that submitting is almost an afterthought. We’re turning enquiries around the same day instead of end of week.
Trust & compliance
Fast, but accountable.
Recommends, never decides
Sterling stages a recommendation; the lending decision is always the broker's.
Evidence on every claim
Each figure links back to the source document for a defensible audit trail.
Human review gate
Nothing is submitted without your explicit sign-off.
Your data, your control
Documents and case data stay within your controlled environment.
Engagement
Start with a measured pilot.
We baseline what a case costs your team today, run Sterling against real deals for a few weeks, and price the rollout against the hours it gives back. No platform lock-in, no big-bang migration.
Get started
See Sterling run one of your real cases.
Book a demo and we'll process a sample application end-to-end, so you can judge the case pack, the screening and the time saved on your own deals.
- Free scoping workshop, no commitment
- Pilot measured against your own baseline
- Human review gates from day one