Commercial Lending Software Features
Commercial lending software helps banks and credit unions manage the full lifecycle of business loans, from credit analysis and financial spreading to approval workflows and portfolio monitoring. The Square 1 Credit Suite provides a comprehensive platform designed to streamline loan management, improve credit risk visibility, and support better lending decisions.
Key Features of Square 1 Credit Suite
Welcome to the Square 1 Credit Suite – a powerful commercial and ag loan origination solution that includes SpreadIQ, AI-powered tax return and financial statement analysis powered by AnalystIQ, one of Ivy’s skills. Square 1 Credit Suite replaces disconnected systems to streamline workflows, improve accuracy and boost efficiency. From AI-driven financial spreading to portfolio stress testing and compliance reporting, we deliver an end-to-end experience that strengthens compliance, enhances collaboration and helps you manage risk with confidence. Explore the key features and benefits that make Square 1 Credit Suite the trusted choice for financial institutions.
Business Development
Your Pipeline Belongs Where Your Loans Already Live
Most lending teams already have a system for tracking opportunities. It is a spreadsheet, an inbox, a stack of notes, and whatever the officer remembers on the way to the pipeline meeting. Adding a general-purpose CRM on top usually means one more login, one more place to rekey a customer, and one more system nobody updates after the first quarter.
Business Development takes the opposite approach. It is not a CRM bolted onto your loan origination system. It is a native module inside Square 1 Credit Suite, built around how commercial and ag lenders actually work: log the call, set the next step, move the stage, and when the deal is ready, convert it straight into the proposed loan workflow.
Key Benefits
- Keeps pipeline activity in the same system where the loan gets made, so officers are already logged in.
- Opens on a dashboard rather than a search screen, so officers see what needs attention before they click anything.
- Gives leadership pipeline meetings grounded in recorded activity instead of self-reported updates.
- Converts a qualified opportunity into a proposed loan without rekeying customer or deal information.
- Ships with working defaults, so an institution can launch without a custom development engagement.
Core Features
Dashboard-First Workspace
Follow-up work, opportunity status, and pipeline activity are visible on entry. My Follow-Ups groups the queue by urgency: overdue, due today, later this week, and upcoming.
Opportunities That Hold the Whole Deal
Amount, product type, assigned officer, stage, probability, weighted value, expected close timing, days in stage, next step, notes, follow-ups, and full call history. One account can carry as many concurrent opportunities as the relationship warrants, each as its own record.
Views That Match How Officers Work
Split, List, and Kanban views, with the module remembering which one each user prefers.
Stages That Fit Your Process
Configure your own pipeline stages and default probabilities. Officers can advance or regress a deal freely, because real deals do not move in a straight line. Closed Won and Closed Lost are protected as terminal outcomes, and closing an opportunity never deletes its history.
Follow-Up Discipline
Set follow-ups against an opportunity, complete or reschedule them, and get notified when work goes overdue through both email and an in-app banner. Institutions control notification behavior centrally, and individual users control their own preferences.
Goals and Pacing
Annual officer goals with monthly and quarterly pacing, visible to the officer on their own dashboard and to leadership across the team. Behind pace becomes a number rather than an impression.
Management Oversight
Team pipeline, weighted forecast, annual goal pacing, individual officer performance, activity health, and stalled opportunities, filterable by officer and product type and scoped by permission.
Pipeline Funnel Reporting
Opportunity count, total estimated value, weighted value, stage distribution, expected close timing, and stale-stage risk, in a form you can take into a board or ALCO discussion.
Convert to Proposed Loan
From a qualified opportunity, the module creates the proposed loan for the linked customer, carries the estimated amount and assigned officer forward, and opens the Note Information form directly. The relationship history stays in Business Development after conversion, so the call log that produced the deal does not disappear when underwriting starts.
Ivy for Business Development
Ivy sits in a panel that follows you through the module and knows what you are looking at. For officers, she helps prepare for a call, structures rough notes into something usable, and points out where activity has gone quiet. For managers, she assembles pipeline briefings and flags concentration concerns. Ivy is advisory: she does not approve, decline, or price credit, and Business Development works with Ivy turned off. Meet Ivy at AI HQ
Permissions That Hold
Business Development access, opportunity create and edit, ownership reassignment, Convert to Proposed Loan, and management oversight are separate permissions in the existing Square 1 Security Levels model. Management views are enforced at the permission layer, not hidden in the interface.
Configuration Built for Day One
A dedicated Business Development configuration area covering call categories, call types, pipeline stages, officer goals, product types, and notification settings, with sensible defaults included.
Loan Management Workflow Pipeline
Keep Your Team Aligned and Your Loan Pipeline Moving
Your loan staff juggle countless tasks each day, and knowing what to prioritize is key to staying efficient. The Loan Management Workflow Pipeline feature within the Square 1 Credit Suite provides clear visibility into each stage of your loan process, assigning responsibilities, automating notifications, and identifying bottlenecks. With configurable workflows and real-time reporting, your team can stay organized, accountable, and focused on what matters most.
Key Benefits
- Provides loan staff with a clear, actionable view of their responsibilities
- Streamlines workflows by assigning users to specific steps in the loan process.
- Reduces delays with automated email notifications and task tracking.
- Improves oversight and efficiency with pipeline reports that highlight bottlenecks.
- Increases accountability and coordination across departments.
Core Features
Configurable Loan Workflow
Tailor your institution’s loan process with customizable stages to match your internal workflow.
Loan Queue Assignment
Assign users to specific steps in the process to clarify roles and reduce task ambiguity.
Automated Email Notifications
Keep users informed of upcoming or overdue tasks with built-in alerts and reminders.
Pipeline Reporting
Gain visibility into workflow bottlenecks and loan statuses with real-time reporting tools.
Commercial Loan Credit Analysis
Make Smarter Lending Decisions with Powerful Credit Analysis Tools
The Square 1 Credit Suite Commercial Loan Credit Analysis module empowers lenders to assess the creditworthiness of business and ag loan borrowers with accuracy and efficiency. From individual borrower evaluations to portfolio-level insights, this tool delivers a consistent, reliable process to measure, monitor and manage credit risk, helping your institution make confident, compliant lending decisions.
Key Benefits
- Streamlines credit analysis with industry-standard formats and customizable templates.
- Supports sound lending decisions with robust financial and risk assessments.
- Enhances compliance through integrated covenant monitoring and approval workflows.
- Increases operational efficiency with automated data entry and system integrations.
- Strengthens portfolio oversight with built-in reporting, segmentation, and risk analysis.
Core Features
SpreadIQ, powered by AnalystIQ
Ivy reads tax returns and financial statements and automatically populates borrower financial data across your credit spreads, with your team verifying the results. Analysts move from document to completed spread in minutes rather than an hour. Meet Ivy at AI HQ
Credit Bureau Import
Select a credit bureau PDF you already have and Ivy reads it, identifies the trade information, and helps move it into the individual debt schedule. Review, edit, and approve before anything is saved. Learn more
RMA Benchmark Comparisons
Conduct detailed spread analysis using industry-standard comparisons for a more informed evaluation.
Global Cash Flow Analysis
Easily assess cash flow across multiple related entities to understand overall repayment capacity.
Financial Projections
Create commercial and agricultural financial projections to support forward-looking decisions.
Covenant Monitoring
Track key metrics and borrower performance to ensure compliance with loan agreements.
Loan Committee Presentation Integration
Prepare and package credit analysis directly for internal loan review and approval workflows.
Stress Testing
Test borrower resilience against changes in cash flow or interest rates to better manage risk.
Risk Rating System
Assign and manage borrower risk ratings using a consistent, data-backed methodology.
Secure Square 1 Portal
Share and receive key documents with borrowers safely and efficiently throughout the loan process.
Document Imaging
Digitally store, retrieve, and manage documents for streamlined recordkeeping and audits.
System Integrations
Connect seamlessly with other core systems to eliminate double entry and enhance data accuracy.
Agricultural Analysis
Simplify Ag Underwriting with Precision and Clarity
The Square 1 Credit Suite Agricultural Analysis module equips lenders with sophisticated tools to understand the financial position of agricultural borrowers. Designed with the cyclical nature of ag lending in mind, this module helps your institution meet examiner expectations while delivering smart, streamlined analysis of farming operations.
Key Benefits
- Simplifies complex ag underwriting processes.
- Aligns with examiner expectations for ag lending.
- Supports informed credit decisions through detailed analysis.
- Speeds up financial reviews with standardized formats and automation.
- Enhances portfolio monitoring with customizable risk metrics.
Core Features
SpreadIQ, powered by AnalystIQ
Ivy reads tax returns and financial statements, including supporting schedules, and imports ag borrower data directly into the agricultural analysis workflow. Built for the complex entity structures common in farm lending, with your team verifying the results. Meet Ivy at AI HQ
Industry-Standard Agricultural Spreads
Use recognized formats to analyze ag financials with consistency and clarity.
Customizable Financial Statements
Generate ag-specific financial statements with detailed schedules and consolidated views.
Advanced Cash Flow Tools
View monthly or annual cash flows, and apply transactional stress tests for deeper insight.
Global Cash Flow Consolidation
Combine multiple entities into one global picture for better risk assessment.
Collateral & Risk Scoring Tools
Assess risk with configurable agricultural scoring and detailed collateral valuation.
Integrated Debt Schedules
Connect borrower debt directly with analysis tools and loan packages.
Custom Ratios & Metrics
Create and track ratios that reflect your institution’s specific credit policy.
Financial Spreading Software
Standardize Financial Analysis and Strengthen Lending Decisions
The Financial Spreading feature of the Square 1 Credit Suite allows lenders to analyze borrower financials with accuracy, speed and consistency. Designed to meet industry standards and customizable to your institution’s unique needs, this tool streamlines the review of financial statements and tax returns, helping you assess creditworthiness, assign risk ratings and make confident, data-driven decisions. Whether you’re managing individual loans or evaluating portfolio-wide trends, Square 1 Credit Suite’s financial spreading delivers the clarity and insight you need.
Key Benefits
- Streamlines financial analysis with standardized, customizable templates.
- Reduces manual entry with automated importing from tax returns and financial statements.
- Supports consistent, defensible risk assessments with integrated risk rating tools.
- Enables portfolio-wide analysis for trend identification and risk mitigation.
- Provides stress testing capabilities to evaluate borrower resilience in changing conditions.
Core Features
SpreadIQ, powered by AnalystIQ
Ivy reads tax returns and financial statements and imports borrower financial data into your credit spreads. What used to take an analyst 30 to 60 minutes takes seconds to a few minutes depending on the size of the document, with built-in reconciliation back to the source and your team verifying the results. Meet Ivy at AI HQ
Supported Documents
Tax returns: IRS Forms 1040, 1120, 1120-S, and 1065, plus supporting schedules including C, E, F, L, M-1, M-2, and Form 8825. Financial statements: CPA-prepared and company-prepared. File formats: PDF and scanned images.
Customizable Spread Templates
Use pre-built templates or create your own to organize and evaluate financial data your way.
Spread Reconciliation
Assure data accuracy with built-in reconciliation between imported tax forms and financial spreads.
Risk Rating Integration
Assign objective and subjective risk ratings based on borrower financials within the same workflow.
Portfolio Reporting
Segment and analyze your loan portfolio to identify patterns, trends and credit concentrations.
Stress Testing Tools
Model how borrower performance may shift under changes in cash flow, interest rates or external conditions.
Credit Risk Rating Software
Standardize Risk Ratings and Strengthen Credit Decisions
Managing credit risk is a critical component of sound lending, and the Square 1 Credit Suite Credit Risk Rating Software is built to help institutions do it with clarity and consistency. This robust feature enables financial institutions to standardize and justify risk ratings using both objective metrics and subjective analysis. With built-in flexibility and reporting, it supports smarter decisions, stronger portfolios and streamlined loan management.
Key Benefits
- Streamlines loan workflows by standardizing risk rating processes.
- Supports informed, data-driven lending decisions.
- Enables institutions to monitor shifts in credit risk over time.
- Helps maximize portfolio returns while minimizing exposure.
- Enhances transparency with clear rating justifications for approvals and reviews.
Core Features
Configurable Risk Rating System
Customize your institution’s rating model with unlimited measures, weighted factors and industry-specific variations.
Dual Risk Ratings
Capture both borrower-level and loan-level ratings for a more complete credit risk profile.
Loan Committee Integration
Include detailed risk rating factors in credit presentations for easier justification and clearer decision-making.
Portfolio Risk Reporting
Generate reports showing risk rating changes and customer segments by risk level and loan balance.
Flexible Scoring Framework
Build a rating structure that aligns with your internal credit policy, regulatory expectations and evolving risk models.
Commercial Loan Approval Management
Streamline Approvals and Empower Confident Lending Decisions
Square 1 Credit Suite includes a robust Commercial Loan Approval Management feature, built to help financial institutions streamline the approval process, track documentation and provide loan committees with complete, easy-to-review packages. With customizable templates, real-time pipeline tracking and system integrations, your team can move loans forward with confidence and clarity.
Key Benefits
- Simplifies the loan approval process with customizable, standardized templates.
- Ensures documentation is complete and accessible through exception and tickler tracking.
- Provides leadership and committees with the insights they need to make informed decisions.
- Enhances operational efficiency through integrations with document and loan systems.
- Increases oversight and transparency with approval queues and pipeline visibility
Core Features
Customizable Approval Templates
Build and standardize loan packages tailored to your institution’s approval process and credit policies.
Exception & Tickler Tracking
Monitor outstanding documentation and manage follow-ups to ensure complete, compliant files.
Borrower Relationship Snapshot
Include spread data, exception details and account balances to give a full view of the borrower relationship.
Approval Queue & Pipeline Reporting
Track the loan’s stage in the approval process and manage workflows with real-time visibility.
System Integrations
Seamlessly interface with document platforms like ComplianceOne and LaserPro to reduce data entry and streamline documentation.
Document Imaging
Securely store and retrieve loan documents digitally for quick access and audit-readiness.
Loan Management Document Imaging
Secure, Organized, and Accessible Document Storage
Square 1 Credit Suite includes the Loan Management Document Imaging feature, designed to help financial institutions securely store, organize and access documents across the organization. Whether it’s credit files, HR documents or vendor records, this tool keeps critical information at your fingertips while supporting regulatory compliance and audit readiness.
Key Benefits
- Securely stores and organizes critical documents for easy access.
- Supports FDIC compliance and strengthens document security protocols.
- Improves efficiency with a customizable indexing structure.
- Simplifies audit preparation with robust export and reporting tools.
- Provides full visibility with built-in audit-trail capabilities.
Core Features
Customizable Global Indexing
Organize documents using your institution’s preferred structure to ensure quick and consistent retrieval.
FDIC-Compliant Storage
Meets or exceeds regulatory requirements for document imaging, encryption and security.
Audit-Trail Tracking
Maintain transparency and control with detailed logs showing document access and activity.
Multi-Department Storage
Store and manage credit files, HR documents, vendor materials and more in one secure system.
Export Capabilities
Easily export files for examiners, audits or third-party reviews with organized, accessible outputs.
Loan Exception Tracking
Automate Compliance and Stay Ahead of Documentation Risk
Compliance is a critical component of effective loan management. That’s why the Square 1 Credit Suite® includes a robust Loan Exception Tracking feature, designed to help financial institutions automate exception monitoring, reduce documentation risk, and stay audit-ready. With tools to track borrower, collateral, and loan-specific variances, as well as communicate with borrowers and third parties, this feature brings clarity and control to your compliance workflow.
Key Benefits
- Strengthens compliance with automated exception tracking and documentation follow-up.
- Improves risk identification by associating ticklers with borrower, loan, or collateral.
- Enhances communication with borrowers and third parties about outstanding items.
- Streamlines internal processes with follow-up notifications and tickler tracking.
- Supports audit readiness with organized, trackable exception documentation.
- Puts the right exceptions in front of the right person each day, prioritized by exposure.
Core Features
Scout
Scout builds each user a daily work list of the exceptions tied to their work, grouped by exposure so the largest relationships surface first. Items drop off as they are cleared. Routing configuration sends items to the person or group responsible for the follow-up, which is often not the officer who owns the relationship. Learn more
Automated Exception Tracking
Define and monitor loan exceptions and variances with a streamlined, system-driven process.
Risk Association by Category
Tie exceptions to borrowers, loans or collateral to better assess and manage risk.
Borrower Communication Tools
Email letters to borrowers regarding outstanding documentation items directly from the platform.
Third-Party Tracking
Track and manage communications with external parties involved in resolving exceptions.
Internal Follow-Up Notifications
Set reminders and assign follow-up tasks for staff to ensure timely resolution of open items.
Square 1 Portal
Secure, Streamlined Communication with Your Borrowers
The Square 1 Portal is a secure, mobile-friendly platform that allows your business loan customers to upload and share documents, images and files with your institution throughout the life of the loan, from application to servicing. With a two-way file sharing system and customizable branding, the Square 1 Portal helps you simplify communication, reduce document exceptions, and deliver a more professional and convenient borrower experience.
Key Benefits
- Improves customer experience with secure, mobile-friendly document sharing.
- Reduces back-and-forth by centralizing communication and file exchange.
- Increases efficiency by minimizing document exceptions and delays.
- Enhances your brand with customizable logos and colors.
Core Features
2-Way Secure File Sharing
Enable customers and staff to safely exchange documents, images and files in real time.
Unlimited Users
No seat limits or user caps.
Mobile-Friendly Design
Allow borrowers to upload and view documents on any device, anytime.
Custom Branding
Add your logo and brand colors to create a seamless, professional borrower experience.
Integrated Exception Reduction
Minimize missing documentation with a centralized portal that supports timely, accurate file submission.
Loan Portfolio Stress Testing
Proactively Manage Risk with Scenario-Based Stress Testing
Financial institutions need to be prepared for changing economic conditions, and that starts with understanding how stress impacts their portfolio. The Square 1 Credit Suite® Loan Portfolio Stress Testing feature equips lenders with powerful tools to model how their loan portfolio would perform under various economic scenarios. From transactional stress testing to CRE-specific analysis, this feature helps identify vulnerabilities and improve decision-making, so you can take action before risk becomes reality.
Key Benefits
- Enhances credit risk management through predictive modeling.
- Helps institutions prepare for economic uncertainty and regulatory scrutiny.
- Provides detailed insight into individual and portfolio-level risk exposure.
- Supports sound decision-making with CRE-specific testing and rent roll analysis.
- Strengthens long-term portfolio health by identifying hidden vulnerabilities.
Core Features
Transactional Stress Testing
Evaluate how individual loans perform under varying economic conditions to uncover hidden risks.
CRE Stress Testing
Test commercial real estate loans with adjustments for Cap Rate and Loan-to-Value (LTV) ratios to assess exposure.
Portfolio-Level Stress Testing
Analyze the potential impact of economic shifts across your entire loan portfolio.
Rent Roll Integration
Link rent roll data with CRE stress testing for deeper, property-specific insights.
Scenario Customization
Tailor stress tests to reflect market conditions, internal policies or regulatory requirements.
Commercial Loan Workout
Streamline Delinquent Loan Management and Strengthen Recovery Efforts
Managing delinquent loans can be complex, time-consuming, and resource-intensive. The Square 1 Credit Suite includes the Commercial Loan Workout feature, built to help financial institutions effectively track, manage and recover troubled credits. With tools like action plans, dashboards and watch list reporting, this feature brings structure and efficiency to the loan workout process while providing a clear view of portfolio risk.
Key Benefits
- Saves time and resources with automation and structured workflows.
- Enhances visibility into problem credits with dashboards and reporting.
- Supports timely intervention through action plan tracking and reminders.
- Improves risk oversight with comprehensive reporting on past dues and charge-offs.
- Strengthens portfolio monitoring with customizable watch lists and notifications.
Core Features
Past Due Action Plans
Create and assign follow-up plans for delinquent loans with target dates and user accountability.
User-Specific Dashboards
Monitor problem credits at a glance with dashboards tailored to individual users’ roles and responsibilities.
Watch List Reporting
Track criticized and classified loans in real time to manage risk exposure and credit deterioration.
Email Notifications
Stay ahead of next steps with automated alerts tied to action plans and follow-up requirements.
Portfolio Reporting
View comprehensive reports on past dues, watch list items, charge-offs and more to identify trends and areas of concern.
Current Expected Credit Loss (CECL) Extract
Streamline CECL Compliance with Flexible, Automated Data Extraction
The Square 1 Credit Suite CECL Extract feature empowers financial institutions to easily extract key data from their loan portfolio for analysis and reporting under the Current Expected Credit Loss (CECL) accounting standard. With customizable formats and automated scheduling, this powerful tool simplifies the reporting process, saves time and supports compliance, all while giving you deeper insight into your portfolio performance.
Key Benefits
- Saves time and resources through automated data extraction.
- Customizes extracts by file type, layout and field selection.
- Enables detailed analysis across customer, loan, collateral and spread data.
- Supports CECL compliance with regularly scheduled exports.
- Provides valuable insights to improve credit risk management.
Core Features
Customizable Data Extracts
Select your preferred file type, layout and the specific data fields you want to include, tailored to your institution’s needs.
Full Portfolio Data Access
Extract detailed customer, loan, collateral and spread data for more comprehensive analysis and reporting.
Scheduled Extracts
Automate your CECL data exports with configurable scheduling options to ensure consistency and timely updates.
Flexible File Formats
Choose from multiple export formats to integrate seamlessly with your analysis tools or reporting systems.
Compliance Support
Built to help institutions meet CECL requirements with accurate, relevant and timely data exports.
Enhanced Portfolio Analysis
Use the exported data to run a wide range of performance, risk and compliance reports that strengthen decision-making.
Loan Portfolio Reporting
Transform Portfolio Data into Actionable Insights
At Suntell, we believe that better data leads to better decisions. That’s why the Square 1 Credit Suite includes the Loan Portfolio Reporting feature, designed to help financial institutions unlock the full potential of their loan data. With powerful segmentation, automation and flexible reporting tools, this feature gives institutions a clearer picture of their portfolio performance, trends and risk exposure, helping them manage proactively and maximize returns.
Key Benefits
- Gain insights through dynamic segmentation of the loan portfolio.
- Automate recurring reports to save time and improve consistency.
- Identify risks and opportunities through trend and concentration analysis.
- Respond quickly with ad-hoc reports tailored to emerging needs.
- Improve visibility and transparency for internal and board-level reporting.
- Get to the data you need without waiting on a custom report.
Core Features
Ask Ivy for Reporting
Describe the loan data you want in plain language and Ivy builds the selection for you. Results appear in a grid you can review, export to Excel, and save for reuse. The standard reports stay exactly where they are. This is an additional path for the times they do not quite fit. Learn more
Automated Board Reporting
Generate consistent, professional month-end board reports with built-in automation.
Concentration Reporting
Segment your portfolio by industry, risk rating, collateral type, and other critical criteria.
Pipeline Reporting
Track loans in process to identify bottlenecks, inefficiencies, and upcoming workload.
Ad-Hoc Report Generation
Quickly produce custom reports such as past due loans, coming due loans, and participations.
Trend & Pattern Analysis
Use reporting insights to detect changes in portfolio performance and guide strategic decisions.
Loan Management Integrations
Seamless System Connections to Streamline Lending Operations
We know that efficiency and accuracy are essential to managing loans effectively. That’s why the Square 1 Credit Suite includes Loan Management Integrations, designed to reduce manual work, eliminate data silos and ensure your financial institution has a complete and accurate view of each borrower. With nightly core system downloads, integrations with loan document platforms and export options for key analytics tools, this feature supports a more connected and intelligent lending process.
Key Benefits
- Improves operational efficiency by minimizing manual data entry.
- Enhances accuracy with nightly updates of customer and account data.
- Streamlines new loan workflows with document platform integrations.
- Supports better risk analysis through data extracts for CECL and CRE stress testing.
- Provides a more complete borrower view by consolidating data from multiple systems.
Core Features
Nightly Core System Downloads
Your core remains your system of record. Square 1 receives customer, loan, and deposit account data from your core each night, so your lending and credit work happens on current information without replacing anything.
Loan Document System Integration
Seamlessly interface new loans with platforms like ComplianceOne and LaserPro to eliminate duplicate entry.
Custom Data Extraction
Export structured data to support tools such as CECL models or commercial real estate (CRE) stress testing.
Error Reduction
Improve data consistency and accuracy by integrating instead of manually transferring key loan details.
Holistic Borrower View
Combine core system and loan document data for a comprehensive picture of customer relationships.
Ivy: AI Built Into Square 1
One Assistant, Across the Life of the Loan
Most lending platforms sell AI as a set of separate products, each with its own name and its own price, leaving you to work out which ones you need. Square 1 takes a different approach. Ivy is one assistant, built into the system your team already uses, working across prospecting, underwriting, and portfolio management.
She has skills honed for specific kinds of work, and those skills power features your team uses every day. What every one of them has in common: a person reviews the work before it counts. Ivy prepares, organizes, and suggests. Your team decides.
Key Benefits
- Removes repetitive work without removing judgment from the process.
- Works inside existing workflows rather than as a separate tool to learn.
- Covers prospecting, underwriting, and portfolio management with one assistant.
- Keeps your institution in control, with human review on every output.
- Built with governance in mind: no training on customer data, no pooling across institutions.
Core Features
SpreadIQ, powered by AnalystIQ
Reads tax returns and financial statements and populates borrower financial data across your credit spreads. Learn more
Credit Bureau Import
Reads a credit bureau PDF you already have and helps move the trade information into the individual debt schedule. Learn more
Scout
Builds each user a daily work list of outstanding documentation items, prioritized by total exposure and updated as items clear. Learn more
Ask Ivy
Ask how to do something in Square 1 and get an answer drawn from Suntell’s own knowledge base and documentation. Ask for loan data in plain language and Ivy builds the selection for you. Learn more
Ivy for Business Development
Coaches officers through their pipeline and gives managers evidence about pipeline health. Learn more
Human Review on Every Output
Ivy does not make credit decisions and does not act on your behalf. Every result is reviewed by a member of your team. Learn more
Identify
Ensure credit-granting is in line with your institution’s credit risk strategy with an in-depth credit analysis of your borrowers
Measure
Quantify the credit risk on and off the balance sheet with ratios, custom measures and scoring.
Monitor
Keep a pulse on credit risk over time by viewing changes in risk ratings.
Control
Integrate your analyses seamlessly with loan committee presentations and the approval process.
Learn More About Commercial Lending Software
Have questions about commercial lending software, credit analysis tools, or loan workflow management? Visit our full FAQ page to learn how lending platforms support banks and credit unions throughout the commercial loan lifecycle.
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Frequently Asked Questions About Square 1 Credit Suite
What does the Square 1 Credit Suite do?
Square 1 Credit Suite is an end-to-end commercial lending platform built for community banks and credit unions. It manages the full loan lifecycle, from business development and pipeline management through credit analysis, financial spreading, approval workflows, document imaging, portfolio monitoring, and CECL reporting, in a single connected system.
How does Suntell differ from generic loan software?
Unlike general-purpose lending tools, Square 1 Credit Suite is built specifically for commercial and agricultural lending at community financial institutions. It includes ag-specific underwriting tools, RMA benchmark comparisons, dual risk ratings, and examiner-ready reporting that generic platforms don’t offer.
What is SpreadIQ and how does it work?
SpreadIQ, powered by AnalystIQ, one of Ivy’s skills, reads tax returns and financial statements and automatically populates borrower financial data into your credit spreads. What previously took analysts 30 to 60 minutes takes seconds to a few minutes depending on the size of the document, with built-in reconciliation back to the source document and your team verifying the results.
Does Square 1 Credit Suite support agricultural lending?
Yes. The platform includes a dedicated Agricultural Analysis module with industry-standard ag spreads, customizable financial statements, advanced cash flow tools, and global cash flow consolidation, designed around the cyclical nature of farm lending and examiner expectations.
How does Square 1 Credit Suite help with regulatory compliance?
The platform supports compliance through FDIC-compliant document imaging, CECL data extraction, covenant monitoring, loan exception tracking, and audit-trail capabilities. Risk ratings and approval workflows are built to support examiner review.
How much setup does Business Development take?
The module ships with working defaults for stages, categories, types, and notifications. An administrator reviews and adjusts rather than building from scratch.
Can Square 1 Credit Suite connect to our existing core system?
Yes, and your core remains your system of record. Square 1 receives customer, loan, and deposit account data from your core through a nightly download, and connects with loan document platforms including ComplianceOne and LaserPro to eliminate duplicate data entry. Nothing about your core changes.
Does Square 1 Credit Suite include AI?
Yes. Ivy is an AI assistant built into the platform, working across business development, underwriting, and portfolio management. She spreads financial documents, imports credit bureau data, surfaces outstanding documentation, answers product questions, and builds loan reports from plain-language requests. A person reviews every AI-assisted result.
What tax forms does SpreadIQ support?
SpreadIQ reads IRS Forms 1040, 1120, 1120-S, and 1065, along with supporting schedules including C, E, F, L, M-1, M-2, and Form 8825. It also reads CPA-prepared and company-prepared financial statements, in PDF or scanned image format.
Does Square 1 Credit Suite include a CRM or pipeline for business development?
Yes. The Business Development module tracks opportunities, calls, and follow-ups before a loan exists, with configurable pipeline stages and probabilities, officer goals, and management pipeline reporting. Won opportunities convert into proposed loans without rekeying. It is not a replacement for a marketing automation platform or an enterprise relationship database. It is the pipeline layer for commercial and ag lending, in the system where the loan actually gets made.
Does Suntell's AI make credit decisions?
What happens to our existing Follow Up history?
It carries forward. Legacy Follow Up records move into the new model and historical call activity is preserved.
How long does implementation take?
Typically 60 to 120 days, depending on how quickly your institution can move. The timeline is driven more by your team’s availability than by our side of the work.
What kind of stress testing does the platform support?
Square 1 Credit Suite includes transactional stress testing, CRE stress testing with Cap Rate and LTV adjustments, portfolio-level scenario modeling, and rent roll integration, giving institutions the tools to identify risk before economic conditions change.