HomeCync Loan Origination System

Cync Loan Origination System

Transform Your Loan Origination Process with Unparalleled Efficiency

Supercharge your loan origination processes with Cync Loan Origination System (LOS) for streamlined approval processes and faster funding.

Create Custom Dashboards with Real-Time Analytics

Cync LOS includes more than four dozen data visualizations and reports for real-time insights across your entire lending portfolio and pipeline. Put your team first by customizing layouts by role and curating lists of reports to share to meet the needs of Credit Analysts, Portfolio Managers, and more!

Looking for user-centered reports? “My Analytics” provides comprehensive reports that are tied specifically to the user’s profile.

Cync Software also offers Reporting as a Service—a full-service option for custom reports to provide even the most granular insights for time and process optimization. Request a demo with our team to discuss what Cync Reporting as a Service can do for you!

Cync LOS

No-Code Self-Service Administration Capabilities for Maximum Uptime

Empower your team and optimize your adoption rate with self-service administration capabilities, allowing flexible, codeless management of templates and core aspects of the application to get the team up and running in seconds. Request a demo to see for yourself!

  • Administrative Empowerment

    Get the autonomy required for codeless template creation and administration that aligns with risk appetite, lending policies, and analytics.

  • Time Savings

    Eliminate the need for manual intervention by allowing users to perform routine tasks, reducing the workload on administrators.

  • Cost Savings

    Cut down on support costs and time spent on repetitive tasks with automation and APIs, allowing resources to work more strategically.

  • Consistent Reporting

    Codeless management allows values to scale across microservices, making enhanced reporting both scalable and reliable.

Eliminate Downtime with Self-Service Management for Critical Processes in Loan Origination

File Management

Create custom metadata fields, categories, and document types with best-in-class digital asset management for all lending services.

Spreading Management

Create codeless spreading templates in seconds with custom statement selections and field creation for Individual, C&I, and Real Estate spreads.

Loan Lifecycle & Task Management

Create automated workflows and tasks for borrowers, stakeholders, and all affiliated parties to streamline analysis and operations.

Loan Management

Customize everything in your loan origination process to meet the needs of your risk appetite and policy: loan lifecycles, types, products, approval management, and more!

Collateral Management

Create custom and standard collateral categories, set specific recovery rates, and add custom fields for optimal tracking of all assets in a lender’s portfolio.

Covenant & Tickler Management

Self-service covenant and tickler creation has never been easier! Create standard covenants at the management level for accurate reporting and generate ticklers with your messaging, by your rules.

Risk Management

Customize one of the most flexible risk rating applications in the industry with one- or two-dimensional risk assessments that align with even the strictest of lending policies for loss given default and probability of default with flexible calculations, “haircuts,” and more!

Forms Management

Our Forms Management solution boasts a robust API that allows lenders to customize any type of form imaginable—Credit Memos, Change Memos, Annual Reviews, and more—with real-time data, then brand them for effortless documentation that’s consistent across the organization.

Approval Management

Your teams, your risk, your rules! A modern lending solution requires an agile approval management—Cync LOS delivers effortless management for any lender, no matter the process.

Meet Your Relationship Command Center

Relationship Overview Screen

Get 360º insights you never thought possible with modules that offer comprehensive views and analysis based on affiliations—all with a secure file management system that integrates seamlessly with third parties and platform microservices. This is the command center for all relationship management.

Are you looking for new financial insights? Request a demo today to see what our Relationships module has to offer.

  • Launchpad for Any Task, Any Function

    Request documents, credit scores, or apply for a loan—all from one location

  • In-Depth Affiliations

    Build a comprehensive network for relationship-driven insights

  • File & Document Management

    Securely store documents for tracking, compliance, and accountability

  • Automated Spreading & Analysis

    Create GAAP-compliant spreads with automation for analysis in seconds

  • Direct & Indirect Exposure Tracking

    Optimize financial resilience in dynamic market environments

  • Covenants & Ticklers Management

    Take action and mitigate risk with time-saving automation and transparency

Automatically Spread Financials in Seconds

Import Financial Documents

Upload or import financial documents from the relationship directly into the spread with the ability to add metadata—making sorting and searching financial data much easier.
Direction Arrows

Automatically Spread Financials

Our automated spreading solution leverages artificial intelligence and a game-changing UI that empowers experts to spread tax returns AND financial statements with confidence.
Direction Arrows

Analyze, Report, Decide

Take advantage of in-cell commenting, automated projections, and custom ratios to take the guesswork out of financials, all in a GAAP-formatted spread that aligns with the lender's risk appetite.

Ready to Supercharge Your Spreading Automation?

  • Commercial (C&I) Spreading

    Spreading balance sheets and income statements from tax returns and financial statements has never been easier!

  • Real Estate Spreading

    Automatically spread property cash flow and rent roll statements from tax returns and financial documents.

  • Individual Spreading

    Automatically spread personal tax returns and respective schedules for a comprehensive view of financials.

Reduce Spreading Time by 80% with Real Insights & Analytics

Cync Spreading will automate your spreading process and see how your borrowers’ financials stack up against industry peers with our Risk Management Association (RMA) integration, and generate reports with informative data visualizations—all in a matter of seconds! Automated spreading capabilities are constantly being enhanced to take your financial reporting and analysis to the next level. Request a demo today to see what Cync Software can do for you.

Get Ready for an Agile Approach to Underwriting and Risk Management

Originate. Mitigate. Control.

Originate loans and track their progress in real-time with comprehensive tools, customizable forms, and detailed reporting at both the lender- and user-level to keep your loan pipeline moving at a pace never thought possible.

Looking to mitigate risk? The Cync Portal can streamline your approach, offering transparent correspondence to ensure consistent communication in an instant between lender personnel, customers, and third parties.

Take control of every aspect of the loan process with the Cync Loan Origination System. Cync LOS boasts one of the most robust collateral management systems on the market and also offers lenders a secure document management system, automated covenants and ticklers, and risk rating modules that can be imported into fully-customizable credit memos, allowing lenders to optimize costs and maximize profits across their portfolio—enabling credit for any borrower!

  • Customize Your Loan Lifecycle & Approval Process

  • Task Assignment & Analysis with Transparent Communication

  • Robust Collateral, Analytics, & Activity Monitoring at Any Level

  • Automated Covenants & Ticklers Tracking in Real Time

  • Fully Customizable Risk Rating, Credit Memos, & Forms

  • Easy Doc Generation, Approval, & Booking with eSign Capabilities

Limitless Collateral Customization & Monitoring Capabilities Shed New Light on Your Portfolio

Customize Collateral Fields

Add any type of field to maximize key data

Pledge Collateral to Loan

Inherit all rules and values for instant LTV calculation

Import Documents & Images

Preview images & files for highly qualitative insights

Collect & Store Additional Information

Add critical notes and granular details

Track Collateral Value at Any Level

Get in-depth analytics to track collateral value

Meet the Revolutionary Risk Rating System with Fully-Customizable Dual Risk Assessment Capabilities

Risk Rating Overview

When it comes to mitigating risk, precision is paramount. Our ground-breaking risk rating system for Cync LOS offers market-leading capabilities for comprehensive risk analysis with the ability to choose probability of default (PD), loss given default (LGD), or both to assess borrowers and transactions (loans). This dual risk rating system allows lenders to more precisely plan and anticipate upcoming risk at the loan and portfolio levels by automating the process in which various underlying data points that are captured for calculation.

Probability of Default (PD)
Probability of Default Score

Create and customize variables and calculation methods to determine the overall risk score for borrowers and loans with supplemental warning signs.

Loss-Given Default (LGD)

Calculate the default exposure for a lender at origination by assessing recovery rates of collateral and guarantees for a transaction.

With Automated Covenants & Ticklers, Portfolio Monitoring Has Never Been Easier





Looking for a way to effortlessly monitor relationships and loans with curated reports and engaging data visualizations?

Our Covenants & Ticklers feature allows lenders to create and monitor relationship- or loan-specific covenants and ticklers, automating the tracking process.

With automation, lenders simply need to verify the evaluation of a covenant, streamlining the process and helping to ensure accurate compliance reporting, internal reviews, and regulatory exams.

With a real-time connection to the customer portal, ongoing tickler document collection is both convenient and effective.

Request a demo today to expand your team’s capabilities risk mitigation.

Covenant Report Example

The Most Comprehensive File Management in Commercial Lending

File management for loan origination doesn’t have to be a time-consuming, arduous process. Request a demo today to see how easy it is to take the guesswork out of asset management.
Painless Asset Management
  • Customize Document Types, Document Types, & Metadata

  • Upload Files Directly from the Dashboard

  • Track Approval Status, Activity, and More

  • Easily Search, Locate, and Preview Documents & Images

  • Confirm Mapped Financial Documents & Open Spreads

Close More Loans with Confidence

LOS Closing Screen

Cync Software understands the critical nature of closing deals in a timely manner. As part of this commitment, we empower teams with cutting-edge features and capabilities necessary to keep all parties informed to ensure a seamless and efficient closing process.

Faster Time-to-Close

Our closing capabilities are designed to reduce redundant tasks and, in turn, the time it takes to close a commercial loan, allowing your organization to seize opportunities swiftly and move on to the next loan.

Enhanced Accuracy

Each loan can be customized to fit the needs of the lender—minimizing errors and inaccuracies in the closing process, contributing to a smoother experience for both your team and clients.

Improved Communication & Collaboration

Foster collaboration among internal teams and external stakeholders through integrated communication channels and collaborative tools is possible with the Cync Portal—your next tool for transparency.

Ready to take the next step?

Invest in a Commercial Loan Origination Software that will exceed your closing expectations. Request a demo today to see how Cync LOS can provide the tools and analytics needed to close deals efficiently and maintain a competitive edge in the market.

  • Automated Document Generation & Management

    Generate precise loan documents based on predefined templates, ensuring compliance and accuracy with our automated forms management system.

  • Workflow Automation

    Automated workflows can be defined and customized to match your organization's specific processes with notifications and updates at each stage, keeping all stakeholders informed and aligned.

  • Electronic Signatures and Document Execution

    Cync Software offers industry standard solutions for digital signatures to expedite the approval and signing of documents, ensuring security and compliance.

  • Integrated Communication Channels

    Facilitate the closing process with the Cync Portal—an innovative solution that integrates with communication tools, ensuring a collaborative and transparent environment.

  • Real-time Status Tracking

    Gain real-time visibility into the status of each loan closing with an ability to track progress and identify bottlenecks for quick resolution—all with a transparent view of the closing process that buildings trust and confidence.

  • Compliance Documentation & Tracking

    Align with regulatory requirements with our easy-to-use compliance tracking capabilities.

  • In-depth Reporting & Analytics

    Leverage comprehensive reports to analyze closing trends, identify areas for improvement, and make data-driven decisions with available full-service report creation to meet the specific needs of your organization.

  • Audit Trail and Documentation

    Ensure accountability and transparency with a robust audit trail that tracks all changes and actions taken during the closing process.

Your Portal to Loan Optimization

Our secure, easy-to-use Cync Portal offers an inviting experience for all parties to experience transparent communication, provide documentation, and eSign documentation for fast and efficient approval.

  • Optimal Security in a Branded Environment

  • Transparent Communication with All Parties

  • eSign, Check Approval Status, Activities, and More

Request a demo today to see what our portal can do for you.

Cync Integrations Are Open for Business

Cync Software offers an integration framework that allows lenders to safely and securely hook into open APIs. Looking for a specific integration? Request a demo to see what our integrations team can do for you.

Tableau : The Dashboards & Analytics features integrate with Tableau Data Prep and Tableau Cloud, creating easy-to-use, lightweight reports, and eye-catching visualizations. The ability to choose custom layouts allows users to select multiple visualizations, resulting in a comprehensive dashboard that can be shared amongst team members.
Risk Management Association (RMA) : Cync® Spreading’s integration with the Risk Management Association (RMA) allows lenders to compare the financial statements of their borrowers with RMA’s Annual Statement Studies® and import the latest, most up-to-date ratios to ensure that calculations meet the industry standards set by RMA as the comprehensive source of risk management tools and education.
Experian : Cync LOS integrates with Experian, a consumer credit reporting agency, to automatically pull credit scores into the Cync LOS application, allowing lenders to make decisions based on the most up-to-date data.
TransUnion : Cync Software's integration with TransUnion provides direct consumer reporting for lenders to make decisions.
Codat : Customers can connect to Codat in just a few minutes without a custom connection. Codat keeps records synced in a configured interval and Cync LOS pulls the invoices from Codat whenever required via the Cync Spreading feature that engages with Codat for mapping statements from a borrower’s accounting software directly into LOS.
Plaid : Cync Software's integration with Plaid allows users to authorize access to their financial information by connecting their bank accounts, enabling Cync Spreading to have the most up-to-date information for financial analysis.
Fusion Laserpro : Cync LOS integrates with Fusion Laserpro to help generate loan closing documentation based on the given transaction data. Fusion Laserpro is a single complete and compliant loan documentation system for use across commercial, consumer, and mortgage portfolios.
DocuSign Integration : Docusign gives lenders the ability to send documents to customers for review and electronic signature without having to go through the hassle of printing and mailing physical copies. Docusign allows lenders to manage electronic agreements with borrowers, guarantors, or other entities.

Ready to Close on Your Next LOS?