Loan Operations System • Converges deals to readiness
Commercial lending
without the chaos.
Buddy is a Loan Operations System. Upload documents and the system converges the deal to readiness — automatically.
- • No workflows to run
- • No steps to memorize
- • No training required
Deal Status
Live
⏳Uploads processing
1 remaining
updated just now
Uploads
finalized • ledger-backed
Checklist
read-only truth
Readiness
single source of truth
The system converges to readiness. The UI simply shows the truth.
From workflows → convergence
Deals don't need running. They need converging.
Upload documents from banker, borrower, or link. Buddy finalizes evidence, reconciles requirements, and updates readiness automatically.
Step 1
Upload received
Files land. No babysitting.
Ledger-backed, race-proof, explainable.
Step 2
Evidence finalized
Uploads become verified evidence.
Ledger-backed, race-proof, explainable.
Step 3
Checklist reconciled
The system updates itself.
Ledger-backed, race-proof, explainable.
Step 4
Deal ready
Buddy tells you the moment it's ready.
Ledger-backed, race-proof, explainable.
Readiness truth
Single source of truth: deals.ready_at + deals.ready_reason.
{
"ready_at": "2026-01-02T18:03:12Z",
"ready_reason": "Deal complete"
}Ledger explains why
Authoritative timeline via stage / status / payload.
upload completed {"finalized": true}
auto_seed blocked {"remaining_uploads": 1}
readiness completed {"ready_at": "…"}
Checklist is read-only truth
No buttons. No guessing. The UI reflects the system state as it converges.
✅ Evidence counted exactly once
✅ Late arrivals self-heal
✅ No race conditions
✅ Late arrivals self-heal
✅ No race conditions
How it works
Three steps. Zero training. The system does the remembering.
Upload
Send documents from banker, borrower, or link.
Calm, convergent, explainable.
Converge
Buddy finalizes evidence and reconciles requirements automatically.
Calm, convergent, explainable.
Move forward
When it's ready, the next stage unlocks — instantly.
Calm, convergent, explainable.
What you get
Not more features. Less work. More certainty.
Deals don't stall
Blockers are visible immediately.
No training required
It's obvious what's missing.
Always explainable
Every state has a reason.
Race-proof by design
Uploads can't outrun readiness.
Borrower + banker unified
All evidence lands in one truth.
Operational clarity
Timeline tells the story.
FAQ
Is Buddy just an SBA platform?
No. Buddy is a Loan Operations System for commercial lending. SBA is one workflow it can support — not the category.
Do we need to train our team?
No. The UI is truth-first and self-explanatory. Deals converge to readiness automatically.
What happens if a document arrives late?
The system self-heals. Checklist and readiness reconcile automatically when evidence finalizes.
How do we know what's blocking a deal?
Readiness always includes a reason, and the ledger provides a precise stage/status timeline.
Stop managing deals.
Let them converge.
Buddy replaces workflows with convergence — and makes readiness obvious.