Baker Hill
- Company typePrivate
- Founded1985
- HeadquartersCarmel, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Baker Hill firmographics
Firmographics- Name
- Baker Hill
- Legal name
- Baker Hill Solutions, LLC
- Website
- https://bakerhill.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Baker Hill industry classification
Industry- Product category
- Loan Origination Software
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where Baker Hill is headquartered
LocationHeadquarters
- HQ city
- Carmel
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Baker Hill business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription Platform: Baker Hill operates as a SaaS provider offering its lending and risk management platform on a subscription basis to financial institutions. The platform is described as a configurable, single platform SaaS solution for commercial, small business, consumer loan origination and risk management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise financial institution pricing |
Go-to-market motion4 records
Distribution channels3 records
Marketing channels11 records
Baker Hill product offering
Product offeringCore offering
Baker Hill provides a unified, cloud-native SaaS loan origination and risk management platform for U.S. financial institutions. The platform combines commercial, small business, and consumer lending origination with statement spreading, intelligent document processing, predictive credit scoring, CECL compliance, and portfolio risk management. Customers include community, regional, and mid-size banks, credit unions, and finance companies that subscribe on an annual, quote-based basis.
Product overview
Baker Hill is a lending and risk management technology provider offering a unified SaaS platform for commercial, small business, and consumer loan origination combined with risk management and analytics. The product portfolio centers on Baker Hill NextGen as the flagship loan origination system (LOS), complemented by UN/FY (AI-driven loan origination system launched November 2025), Statement Spreading, Intelligent Documents & Data, Portfolio & Risk Management tools, and AI capabilities including ASK BKR. The platform integrates with numerous third-party services for credit data (FICO, Experian, Equifax, Dun & Bradstreet), document processing (DocuSign, GoDocs), and core banking systems. Baker Hill processes over $7 billion in monthly lending originations across U.S. financial institutions and serves over 20,000 bankers through its loan origination solutions.
Differentiator
Problem solved
Functional benefit
Brands
- Baker Hill NextGen®: The company's flagship loan origination and risk management platform offering commercial, small business, and consumer lending solutions.
- UN/FY™
- BKR / ASK BKR
- Baker Hill University
- My Hub
Products and services
- Baker Hill NextGen (UNIFY) Unified, configurable SaaS loan origination system (LOS) for commercial, small business, and consumer lending with integrated statement spreading, exception tracking, portfolio monitoring, and compliance features. Designed for banks, credit unions, and finance companies.
- UN/FY AI-driven loan origination system that integrates digital small business lending, deposit account opening, and real-time data insights for relationship-centered digital small business lending.
- Baker Hill Loan Exchange Embedded loan participation exchange that lets Baker Hill UN/FY users launch participation opportunities directly within their commercial lending workflow, providing access to a nationwide network of 750+ financial institutions for loan distribution.
- Commercial Lending Commercial loan origination solution covering pipeline management, deal creation, application processing, underwriting, document generation, boarding, and renewal workflows for commercial loans. Designed for banks, credit unions, and finance companies seeking to streamline complex commercial lending processes.
- Small Business Scored Lending Scored business lending solution using data and business rules to automate loan decisions, integrating FICO SBSS and Experian IPv2 credit scores. Enables financial institutions to scale smaller loan requests while keeping teams focused on larger, more complex deals.
- Consumer Lending Consumer loan origination solution enabling financial institutions to process consumer loans consistently and accurately with configurable policies, credit risk mitigation, and compliance support.
- Statement Spreading Financial analysis tool that facilitates reporting, data collection, global cash flow, covenants, and complex ratio analyses with peer comparisons, sensitivity analyses, and automated spreading of tax returns and financial statements.
- Intelligent Documents & Data AI-powered document processing solution that captures, organizes, and validates document data including tax data extraction, eliminating manual entry and enabling teams to focus on analysis and decisions.
- Portfolio & Risk Management Risk management and CECL compliance tools for portfolio monitoring, concentration risk management, exception tracking, covenant monitoring, and regulatory compliance across commercial, small business, and consumer lending portfolios.
- Digital Small Business LOS Relationship-centered digital small business lending platform providing a borrower-friendly online experience that reduces friction for borrowers while empowering bankers with insight when needed.
- Marketing Solutions Analytics and marketing solutions helping financial institutions drive growth through data-driven marketing strategies, customer insights, and member/client acquisition.
- Baker Hill NextGen SBA Fast Track SBA loan processing solution designed to accelerate Small Business Administration loan origination within the Baker Hill NextGen platform.
- Baker Hill NextGen CECL Solution Current Expected Credit Loss (CECL) compliance solution launched September 2018 to support risk management and regulatory compliance across lending portfolios.
- Baker Hill NextGen Accelerate Accelerated commercial lending solution announced July 2023 as the latest addition to the Baker Hill NextGen suite.
Quantifiable outcome
- 60% reduction in origination costs
- +1 more outcomes
Companies that use Baker Hill
Customer profileNamed customers12 records
Segments9 records
Ideal customer profiles3 records
Baker Hill technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability10 records
Feature10 records
Baker Hill partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- LumoscoreStrategic partnership to deliver predictive credit intelligence enabling smarter small business credit decisions and driving growth. Helps banks and credit unions expand lending opportunities, improve portfolio performance, and increase yield.
- Beacon Bankcore$24 billion regional bank (formed through 2025 merger of Berkshire Hills Bancorp and Brookline Bancorp) expanding partnership to implement UN/FY platform enhancements for digital small business and SBA lending. Includes AI-enabled tools like ASK BKR for automated credit analysis. Bank operates 145+ branches across Northeast with $2B+ SBA loan originations through 44 Business Capital division.
- ParticipatecoreStrategic partnership to launch Baker Hill Loan Exchange, an embedded loan participation solution. The platform integrates directly into Baker Hill's commercial lending workflow, enabling lenders to distribute participation opportunities through Participate's nationwide network of over 750 financial institutions across 48 states with $15.1 billion in cumulative loan volume and $1.4 billion in commercial inventory. Extends Baker Hill's capabilities beyond origination into loan distribution and portfolio management.
- GoDocscoreStrategic integration connecting Baker Hill UN/FY with GoDocs' automated documentation system. Enables financial institutions to generate compliant, attorney-quality loan documents directly within existing workflows, reducing manual handoffs and accelerating loan closings. Palmetto Citizens Federal Credit Union identified as early adopter.
- Arvest BankcoreMajor community-focused bank in the Midwest upgrading to Baker Hill's UN/FY platform, marking continuation of a nearly 30-year partnership. New platform aims to modernize lending processes by digitizing operations and improving data integration across systems, with future plans for additional system integrations.
- NACCE (National Association of Community College Entrepreneurship)minorLaunch of CEED to Success pilot program supporting underserved entrepreneurs including veterans, women, and minorities with training and local partnerships through community college network. Aims to drive community-centered economic growth.
- Montecito Bank & TrustcorePartnership to launch Santa Barbara Innovation Center designed to foster co-innovation and strengthen community banking among California-based financial institutions. Serves as blueprint for community banking's future.
- LoanProcoreStrategic partnership to create a unified, end-to-end lending platform connecting loan origination with loan servicing. Enables financial institutions to streamline loan origination and servicing with improved speed, accuracy, and control.
- Palmetto Citizens Federal Credit UnionminorEarly adopter of Baker Hill and GoDocs integration for commercial and small business lending operations.
Scale indicators10 records
Recent moves8 records
Expansion highlights5 records
Baker Hill competitors and assessment
Company assessmentDirect peers
- nCino: nCino provides a cloud-based Bank Operating System with deep loan origination, account opening, and analytics capabilities for commercial, small business, and consumer lending. It is the most direct head-to-head competitor to Baker Hill NextGen/UN/FY, particularly among regional and mid-size banks seeking modern, API-first lending platforms.
- Abrigo: Abrigo offers lending, credit risk, and compliance software purpose-built for U.S. community banks and credit unions, including commercial loan origination, portfolio risk management, and CECL solutions. It directly overlaps Baker Hill's community-bank ICP and product modules around commercial lending and risk.
- Q2 Holdings: Q2 provides digital banking and lending solutions to community and mid-size financial institutions, with strengths in commercial and small business lending workflows. It competes directly with Baker Hill for community bank and credit union digital lending modernization budgets.
- Moody's Analytics: Moody's Analytics offers credit risk, CECL, and regulatory compliance software widely used by banks for portfolio risk management and credit decisioning. It overlaps Baker Hill's Portfolio & Risk Management and CECL modules and competes for the same risk-leader budget at community banks.
Broad incumbents
- Jack Henry & Associates: Jack Henry is a long-established bank technology provider offering core systems, lending, and digital banking to community and mid-size banks. Its Lending Suite and SilverLake core-plus-LOS bundles compete with Baker Hill on embedded loan origination, but as part of a much broader core-banking portfolio.
- FIS (Fidelity National Information Services): FIS is a global financial technology incumbent offering lending, core banking, payments, and capital markets software. Its loan origination and commercial lending capabilities overlap Baker Hill's, but FIS serves a far broader market including the largest U.S. banks and competes largely through integrated suites.
- Finastra: Finastra provides a broad portfolio of lending, core, and treasury software to banks globally, including commercial and retail loan origination. It competes with Baker Hill in commercial lending but operates at significantly greater scale across multiple lending and capital markets segments.
- Temenos: Temenos is a global banking software vendor offering lending, core, and digital banking platforms to retail, commercial, and wealth institutions. Its loan origination suite is comparable to Baker Hill's but part of a much broader, internationally deployed product portfolio.
- MeridianLink: MeridianLink provides digital lending, account opening, and data analytics software to banks, credit unions, and mortgage lenders. Its consumer and small business lending suites overlap Baker Hill's product footprint, especially in the credit union segment.
Emerging players
- Lendio: Lendio operates a small business lending marketplace connecting borrowers to a network of lenders, with software tools for originating and managing small business loans. It is comparable to Baker Hill's small business scored lending and UN/FY digital SMB workflows but is primarily marketplace-driven rather than a bank-deployed LOS.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Baker Hill social profiles
Digital presenceBaker Hill compliance and trust
Trust signalCompliance4 records
Baker Hill financial estimates
Financial estimateRevenue estimate
Valuation estimate
Baker Hill leadership team
Management profileNumber of profiles
Profiles15 records
Baker Hill funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Baker Hill M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Baker Hill
What does Baker Hill do?
Baker Hill provides a unified, cloud-native SaaS loan origination and risk management platform for U.S. financial institutions. The platform combines commercial, small business, and consumer lending origination with statement spreading, intelligent document processing, predictive credit scoring, CECL compliance, and portfolio risk management. Customers include community, regional, and mid-size banks, credit unions, and finance companies that subscribe on an annual, quote-based basis.
Is Baker Hill a public or private company?
Baker Hill is a private company. It is classified as private equity controlled and is currently operating.
When was Baker Hill founded?
Baker Hill was founded in 1985. It employs 51 to 100 people.
Where is Baker Hill based?
Baker Hill is headquartered in Carmel, United States, in the North America region.
How does Baker Hill make money?
One revenue line is on record: saaS Subscription Platform.
Who are Baker Hill's main competitors?
Direct peers on record are nCino, Abrigo, Q2 Holdings and Moody's Analytics. Broad incumbents are Jack Henry & Associates, FIS (Fidelity National Information Services), Finastra, Temenos and MeridianLink. Lendio is listed as an emerging player.
Does Baker Hill have an API?
Yes. Baker Hill offers API-first modernization with data access through APIs, enabling financial institutions to integrate Baker Hill's lending data into their existing workflows. The platform supports data integration web services. Baker Hill has launched integrations including Salesforce and participates in an open platform ecosystem. Baker Hill's platform leverages modern cloud architecture with secure design principles supporting SAML for SSO. Developer documentation is at bakerhill.com/partners-integrations.
What industry is Baker Hill in?
Baker Hill's product category is Loan Origination Software. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching). Its NAICS code is 52231 and its SIC code is 6162.