What Lama AI does

Lama AI is an AI-native loan origination platform purpose-built for community banks, regional banks, and credit unions originating SMB, commercial, and government-guaranteed (SBA, USDA) loans. Founded in 2022 and headquartered in New York, the company automates the full lending workflow from borrower intake through document collection, financial spreading, underwriting analysis, credit memo generation, closing, and portfolio monitoring using a modular agentic AI architecture with nine or more specialized agents (Intake Optimizer, Document Assessor, Memo Generator, Workflow Orchestrator, Borrower Assistant, Lender Researcher, Insight Creator, Loan Structure Advisor, and Monitoring Operator). The platform is delivered as enterprise SaaS with annual subscription pricing, a 3-week implementation timeline, and 100+ pre-built integrations to core banking systems (Fiserv, FIS, Finastra, PortX), credit bureaus, SBA E-Tran, DocuSign, Plaid, and Salesforce, with SOC 2 Type 2 and CCPA compliance for regulated bank adoption.

The company operates a sales-led enterprise go-to-market, targeting bank executives, credit administrators, and CTOs through direct field sales supported by content marketing, customer case studies, and analyst recognition (IDC MarketScape Major Player, AIFinTech100 2025, Fintech Innovation 50 2024). The platform is in production at dozens of community and regional banks—including SouthState Bank, Colony Bank, Capital Community Bank, First Bank, Gate City Bank, Luminate Bank, CCBank, and Scotiabank—and has processed billions of dollars in loan volume since launch. Lama AI has raised over $20M in venture funding across a $9M Seed (October 2022, co-led by Viola Ventures and Hetz Ventures), an $11M Series A (2024, led by EJF Ventures with Fin Capital, 1st & Main, and SixThirty), and an additional undisclosed round in June 2026. Reported customer outcomes include 10x acceleration in loan approvals at Gate City Bank, 95%+ financial spreading accuracy, and decision-ready credit memos generated in five minutes.

Name

Lama AI

Legal name

Lama AI Inc.

Website

https://lama.ai

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Lama AI is an AI-native loan origination platform that automates the full SMB, commercial, and SBA lending workflow for community banks, regional banks, and credit unions using modular agentic AI agents with 100+ pre-built integrations to core banking systems.

Ownership category

akta.pro rank

Product category

Loan Origination Software

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

akta.pro primary industry

AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI) (HDAEANAI)

akta.pro secondary industry

AI/ML Engineering & Model Development Services (BPAEAHAF)

Keywords

• Loan origination software
• Commercial lending platform
• SBA loan automation
• AI credit underwriting
• Banking workflow automation

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. SaaS Platform Subscription: Lama AI operates as a B2B SaaS platform providing loan origination software to community and regional banks. Financial institutions pay subscription fees to access the AI-native loan origination platform, with implementation and configuration services potentially included.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Lama AI provides an AI-native loan origination platform for community and regional banks, credit unions, and SBA lenders. The platform uses modular AI agents to automate the full commercial lending workflow — from borrower intake and document collection through financial spreading, underwriting, credit memo generation, decisioning, closing, and ongoing portfolio monitoring — replacing or augmenting legacy loan origination systems (LOS).

Product overview

Lama AI offers an AI-native loan origination platform built for community and regional banks, combining a core platform with modular AI agents that handle every stage of the lending workflow. The platform is organized around three solution categories: (1) SMB & Commercial Loans covering products like Small-Dollar Loans, Auto & Equipment Loans, Commercial Real Estate, Term Loans, Lines of Credit, Construction, Business Credit Card, Agriculture, and Custom Products; (2) Government Guaranteed Loans including SBA7(a) Small, SBA7(a), SBA 504, SBA Express, and USDA programs; and (3) Portfolio Monitoring Solutions for Annual Reviews & Renewals, Covenants & Ticklers, and Borrowing Base management. The platform includes 15+ integrated modules including Smart Client Portal, Borrower Assistant, Document Extraction, AI-Powered Spreading, Lender Assistant, Workflow Orchestration, Analytics & Insights, Memo Generation, Closing, Customer 360, Loan Simulation, Monitoring, Modifications, and Broker Portal, all connected via a RESTful API with 100+ pre-built integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• AI-Native Loan Origination Platform End-to-end AI-powered loan origination platform for community and regional banks that automates the full lending workflow — from borrower intake through document collection, spreading, underwriting analysis, decisioning, approval, closing, and portfolio monitoring — using modular AI agents.
• SMB & Commercial Loans Solution

Quantifiable outcome

• 10x acceleration in loan approvals at Gate City Bank
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability9 records

Feature14 records

Partnerships

Two partnerships are on record, tiered core.

• Lumos TechnologiescoreTechnology or Integration · 17 December 2025Strategic partnership where Lumos Technologies embeds its PRIME+ predictive credit model into Lama AI's origination environment to provide credit risk assessment for small-business loans. Lumos, founded in 2021 by former Live Oak Bank CFO Brett Caines, previously integrated PRIME+ into nCino and SPARK platforms.
• SalesforcecoreTechnology or IntegrationJoint launch of AI-powered SMB lending solutions. Lama AI and Salesforce have joined forces to provide integrated lending solutions for small businesses through the Salesforce platform.

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Temenos: Temenos is a global core and digital banking platform with a commercial lending product used by mid-sized and regional banks. It competes in adjacent buying centers and represents a long-term cross-sell or competitive risk for Lama AI.
• FIS (FIS Loan Origination / Commercial Lending): FIS provides core banking and commercial lending software to a large share of US community and regional banks. It is both a system Lama AI integrates with and a broad competitor for the same modernization budgets.
• Finastra: Finastra is a large global provider of core banking and lending software (e.g., Fusion Loan IQ) with deep penetration at US and international banks. It is already integrated with Lama AI and represents the bundled-incumbent threat if it ships comparable agentic lending capabilities.

Direct peers

• Abrigo: Abrigo provides loan origination, compliance, and credit risk software purpose-built for US community banks and credit unions. Its target buyer, product scope (SBA, commercial, consumer), and pricing model closely overlap with Lama AI's.
• nCino: nCino is a leading cloud-based bank operating system with a commercial loan origination product widely deployed at community and regional banks in the US. It is the most direct head-to-head competitor to Lama AI, even partnering with Lumos for the same PRIME+ credit model.
• Encompass (ICE Mortgage Technology / Black Knight): Encompass is the dominant loan origination system for residential and consumer mortgage lending, used by most US banks and credit unions. It competes for the same bank-LOS budget Lama AI targets, particularly as banks modernize SBA and consumer lending workflows.

Emerging players

• Newgen Software: Newgen provides a low-code, AI-enabled loan origination and account opening platform sold to banks and credit unions globally. It competes for similar digital-lending transformation deals in the community/regional bank segment.
• Salesforce (Financial Services Cloud / Agentforce): Salesforce is a joint go-to-market partner for Lama AI's SMB lending solutions and also offers Financial Services Cloud and Agentforce for banks. Salesforce could either remain a partner or evolve into a competitor by embedding lending-agent capabilities directly.
• Spendr / Lendsmart (commercial lending AI startups): Other AI-first commercial lending origination startups (e.g., Lendsmart, Baker Hill) target the same community/regional bank loan-origination modernization budget and could become direct peers as they add agentic AI capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/lamaai

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lama AI