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Augment Your LOS with Examiner-Ready AI
Augment Your LOS with Examiner-Ready AI
Augment Your LOS with Examiner-Ready AI
Keep your workflow. Supercharge your underwriting.
Maximize your lending operations without the nightmare of a system migration. GLASS™ by Quilo™ acts as an intelligent companion layer to your existing Loan Origination (LOS) and Loan Management (LMS) systems. Deliver Deterministic, Explainable AI for SBA, CRE, C&I, and Small Business lending—without ripping and replacing the tech you already rely on.
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Your Systems Stay. The Inefficiencies Go.
Your Systems Stay. The Inefficiencies Go.
Your Systems Stay. The Inefficiencies Go.
We know that migrating an LOS or LMS is a massive, risky, and expensive undertaking. That’s why GLASS™ was built to be a pure augmentation, plug and play toolset.
We know that migrating an LOS or LMS is a massive, risky, and expensive undertaking. That’s why GLASS™ was built to be a pure augmentation, plug and play toolset.
We know that migrating an LOS or LMS is a massive, risky, and expensive undertaking. That’s why GLASS™ was built to be a pure augmentation, plug and play toolset.
Zero Migration Risk
GLASS™ seamlessly integrates into your current workflow. Overlay deterministic AI tool - whether you spread tax returns, financial statements, T-12, analyze appraisal reports, calculate risk ratings, draft a credit memo or whatever else - just push the data in, run the complex AI analysis, it provides the completed outcome right back to your team.
Zero Migration Risk
GLASS™ seamlessly integrates into your current workflow. Overlay deterministic AI tool - whether you spread tax returns, financial statements, T-12, analyze appraisal reports, calculate risk ratings, draft a credit memo or whatever else - just push the data in, run the complex AI analysis, it provides the completed outcome right back to your team.
Zero Migration Risk
GLASS™ seamlessly integrates into your current workflow. Overlay deterministic AI tool - whether you spread tax returns, financial statements, T-12, analyze appraisal reports, calculate risk ratings, draft a credit memo or whatever else - just push the data in, run the complex AI analysis, it provides the completed outcome right back to your team.
Instant Time-to-Value
Because you aren't replacing your core technology, deployment is fast, and your underwriters can start leveraging AI immediately without learning a completely new base platform.
Instant Time-to-Value
Because you aren't replacing your core technology, deployment is fast, and your underwriters can start leveraging AI immediately without learning a completely new base platform.
Instant Time-to-Value
Because you aren't replacing your core technology, deployment is fast, and your underwriters can start leveraging AI immediately without learning a completely new base platform.
Examiner-Ready & Auditable
Our AI isn't a black box. It provides deterministic logic and explainable outcomes that regulators and internal risk teams demand, all while acting as a frictionless extension of your current tech stack.
Examiner-Ready & Auditable
Our AI isn't a black box. It provides deterministic logic and explainable outcomes that regulators and internal risk teams demand, all while acting as a frictionless extension of your current tech stack.
Examiner-Ready & Auditable
Our AI isn't a black box. It provides deterministic logic and explainable outcomes that regulators and internal risk teams demand, all while acting as a frictionless extension of your current tech stack.
The Math is Done by Math, Not AI
While we use advanced AI to extract, classify, and structure complex document data, every calculation, ratio, and risk rating is driven by a strict, rule-based deterministic mathematical engine. You get absolute mathematical certainty, every single time.
The Math is Done by Math, Not AI
While we use advanced AI to extract, classify, and structure complex document data, every calculation, ratio, and risk rating is driven by a strict, rule-based deterministic mathematical engine. You get absolute mathematical certainty, every single time.
The Math is Done by Math, Not AI
While we use advanced AI to extract, classify, and structure complex document data, every calculation, ratio, and risk rating is driven by a strict, rule-based deterministic mathematical engine. You get absolute mathematical certainty, every single time.
Walled-Garden Environment & PII Sanitization
Security is our baseline. All documents undergo rigorous PII sanitization upon entry. Your data is processed within a secure, isolated "walled-garden" environment, ensuring your proprietary information is never used to train external public models.
Walled-Garden Environment & PII Sanitization
Security is our baseline. All documents undergo rigorous PII sanitization upon entry. Your data is processed within a secure, isolated "walled-garden" environment, ensuring your proprietary information is never used to train external public models.
Walled-Garden Environment & PII Sanitization
Security is our baseline. All documents undergo rigorous PII sanitization upon entry. Your data is processed within a secure, isolated "walled-garden" environment, ensuring your proprietary information is never used to train external public models.
Business-Level Auditability & Traceability
Explainability shouldn't require an engineering degree. Every output—from a spread tax return to a drafted credit memo—features intuitive, click-to-source traceability. Credit officers, internal reviewers, and examiners can trace any calculation or extracted value directly back to its exact location in the original document, ensuring full transparency in plain English.
Business-Level Auditability & Traceability
Explainability shouldn't require an engineering degree. Every output—from a spread tax return to a drafted credit memo—features intuitive, click-to-source traceability. Credit officers, internal reviewers, and examiners can trace any calculation or extracted value directly back to its exact location in the original document, ensuring full transparency in plain English.
Business-Level Auditability & Traceability
Explainability shouldn't require an engineering degree. Every output—from a spread tax return to a drafted credit memo—features intuitive, click-to-source traceability. Credit officers, internal reviewers, and examiners can trace any calculation or extracted value directly back to its exact location in the original document, ensuring full transparency in plain English.
Human-in-the-Loop (HITL) Controls
AI handles the heavy lifting; your underwriters retain total control. Our intuitive HITL workflows guarantee that human experts can verify, adjust, and approve all AI-assisted work before a final decision is made.
Human-in-the-Loop (HITL) Controls
AI handles the heavy lifting; your underwriters retain total control. Our intuitive HITL workflows guarantee that human experts can verify, adjust, and approve all AI-assisted work before a final decision is made.
Human-in-the-Loop (HITL) Controls
AI handles the heavy lifting; your underwriters retain total control. Our intuitive HITL workflows guarantee that human experts can verify, adjust, and approve all AI-assisted work before a final decision is made.
Deterministic. Explainable. Examiner-Ready.
Deterministic. Explainable. Examiner-Ready.
Deterministic. Explainable. Examiner-Ready.
We built GLASS™ with the fundamental understanding that in commercial lending, precision and compliance are non-negotiable. Say goodbye to AI hallucinations and "black box" algorithms.
We built GLASS™ with the fundamental understanding that in commercial lending, precision and compliance are non-negotiable. Say goodbye to AI hallucinations and "black box" algorithms.
We built GLASS™ with the fundamental understanding that in commercial lending, precision and compliance are non-negotiable. Say goodbye to AI hallucinations and "black box" algorithms.
Automate the Heavy Lifting.
Elevate the Analysis.
Automate the Heavy Lifting.
Elevate the Analysis.
Automate the Heavy Lifting.
Elevate the Analysis.
Let your LOS handle the pipeline; let GLASS™ handle the extraction, analysis and drafting — all in a policy-aware context. See how our AI executes the most time-consuming aspects of commercial underwriting with unprecedented speed and accuracy.
Let your LOS handle the pipeline; let GLASS™ handle the extraction, analysis and drafting — all in a policy-aware context. See how our AI executes the most time-consuming aspects of commercial underwriting with unprecedented speed and accuracy.
Let your LOS handle the pipeline; let GLASS™ handle the extraction, analysis and drafting — all in a policy-aware context. See how our AI executes the most time-consuming aspects of commercial underwriting with unprecedented speed and accuracy.
1
Intelligent Spreading
Automatically extract and spread financial data from tax returns, financial statements, and rent rolls in minutes.
1
Intelligent Spreading
Automatically extract and spread financial data from tax returns, financial statements, and rent rolls in minutes.
1
Intelligent Spreading
Automatically extract and spread financial data from tax returns, financial statements, and rent rolls in minutes.
2
Deep Financial Analysis
Instantly calculate key ratios, identify trends, and uncover hidden risks across complex entity structures.
2
Deep Financial Analysis
Instantly calculate key ratios, identify trends, and uncover hidden risks across complex entity structures.
2
Deep Financial Analysis
Instantly calculate key ratios, identify trends, and uncover hidden risks across complex entity structures.
3
Risk-Rating & Stress-Testing
Apply dynamic, multi-scenario stress tests and generate objective risk ratings aligned with your credit policy.
3
Risk-Rating & Stress-Testing
Apply dynamic, multi-scenario stress tests and generate objective risk ratings aligned with your credit policy.
3
Risk-Rating & Stress-Testing
Apply dynamic, multi-scenario stress tests and generate objective risk ratings aligned with your credit policy.
4
Deal Structuring
Optimize loan structures based on cash flow analysis, collateral valuation, and borrower capacity.
4
Deal Structuring
Optimize loan structures based on cash flow analysis, collateral valuation, and borrower capacity.
4
Deal Structuring
Optimize loan structures based on cash flow analysis, collateral valuation, and borrower capacity.
5
Instant Credit Memos
Automatically synthesize comprehensive, well-structured credit memos ready for committee review.
5
Instant Credit Memos
Automatically synthesize comprehensive, well-structured credit memos ready for committee review.
5
Instant Credit Memos
Automatically synthesize comprehensive, well-structured credit memos ready for committee review.
6
Automated Covenants Management
Proactively track, manage, and alert your team on financial and non-financial covenants.
6
Automated Covenants Management
Proactively track, manage, and alert your team on financial and non-financial covenants.
6
Automated Covenants Management
Proactively track, manage, and alert your team on financial and non-financial covenants.
Tailored Intelligence
for Every Asset Class.
Tailored Intelligence
for Every Asset Class.
Tailored Intelligence
for Every Asset Class.
Whether you are financing a local main street business or a complex multi-tenant property, GLASS™ adapts to the unique underwriting requirements of your portfolio, augmenting your existing workflows for each specific vertical.
Whether you are financing a local main street business or a complex multi-tenant property, GLASS™ adapts to the unique underwriting requirements of your portfolio, augmenting your existing workflows for each specific vertical.
Whether you are financing a local main street business or a complex multi-tenant property, GLASS™ adapts to the unique underwriting requirements of your portfolio, augmenting your existing workflows for each specific vertical.
Commercial Real Estate (CRE)
Automate financial spreading, rent roll analysis, operating statement spreading, appraisals analysis and policy-aware Risk Metrics calculations and credit memo drafting. Stress-test vacancy rates and cap rates with a single click to ensure robust CRE portfolio health.
Commercial Real Estate (CRE)
Automate financial spreading, rent roll analysis, operating statement spreading, appraisals analysis and policy-aware Risk Metrics calculations and credit memo drafting. Stress-test vacancy rates and cap rates with a single click to ensure robust CRE portfolio health.
Commercial Real Estate (CRE)
Automate financial spreading, rent roll analysis, operating statement spreading, appraisals analysis and policy-aware Risk Metrics calculations and credit memo drafting. Stress-test vacancy rates and cap rates with a single click to ensure robust CRE portfolio health.
SBA 7(a) & 504
Navigate the complexities of SBA 7(a) and 504 loans with ease. GLASS™ ensures underwriting and reporting aligns with the latest Standard Operating Procedures (SOPs), reducing guarantee risk and accelerating time-to-funding.
SBA 7(a) & 504
Navigate the complexities of SBA 7(a) and 504 loans with ease. GLASS™ ensures underwriting and reporting aligns with the latest Standard Operating Procedures (SOPs), reducing guarantee risk and accelerating time-to-funding.
SBA 7(a) & 504
Navigate the complexities of SBA 7(a) and 504 loans with ease. GLASS™ ensures underwriting and reporting aligns with the latest Standard Operating Procedures (SOPs), reducing guarantee risk and accelerating time-to-funding.
Commercial & Industrial (C&I)
Untangle complex corporate structures, global cash flows, and working capital needs. Deliver faster decisions for working capital lines, equipment financing, and term loans.
Commercial & Industrial (C&I)
Untangle complex corporate structures, global cash flows, and working capital needs. Deliver faster decisions for working capital lines, equipment financing, and term loans.
Commercial & Industrial (C&I)
Untangle complex corporate structures, global cash flows, and working capital needs. Deliver faster decisions for working capital lines, equipment financing, and term loans.
Small Business Lending
Scale your small business portfolio profitably. Leverage AI to process high volumes of lower-balance loans leveraging state-of-the-art cash flow based underwriting with minimal touch, providing a frictionless experience for business owners.
Small Business Lending
Scale your small business portfolio profitably. Leverage AI to process high volumes of lower-balance loans leveraging state-of-the-art cash flow based underwriting with minimal touch, providing a frictionless experience for business owners.
Small Business Lending
Scale your small business portfolio profitably. Leverage AI to process high volumes of lower-balance loans leveraging state-of-the-art cash flow based underwriting with minimal touch, providing a frictionless experience for business owners.
Automation on Your Terms.
Automation on Your Terms.
Automation on Your Terms.
We believe that adopting AI shouldn't require massive upfront capital or rigid vendor lock-in. GLASS™ is designed to prove its value from day one with pricing structures that scale with your institution.
We believe that adopting AI shouldn't require massive upfront capital or rigid vendor lock-in. GLASS™ is designed to prove its value from day one with pricing structures that scale with your institution.
We believe that adopting AI shouldn't require massive upfront capital or rigid vendor lock-in. GLASS™ is designed to prove its value from day one with pricing structures that scale with your institution.
Proof-of-Value Trials
Experience the power of GLASS™ on your own documents and within your own policy parameters before making a commitment.
Proof-of-Value Trials
Experience the power of GLASS™ on your own documents and within your own policy parameters before making a commitment.
Proof-of-Value Trials
Experience the power of GLASS™ on your own documents and within your own policy parameters before making a commitment.
Pay-As-You-Go Flexibility
For institutions looking to scale usage gradually, our consumption-based models mean you only pay for the value you extract.
Pay-As-You-Go Flexibility
For institutions looking to scale usage gradually, our consumption-based models mean you only pay for the value you extract.
Pay-As-You-Go Flexibility
For institutions looking to scale usage gradually, our consumption-based models mean you only pay for the value you extract.
Predictable Term Contracts
Once you're ready to deploy at scale, secure favorable economics with predictable, enterprise-tier annual agreements.
Predictable Term Contracts
Once you're ready to deploy at scale, secure favorable economics with predictable, enterprise-tier annual agreements.
Predictable Term Contracts
Once you're ready to deploy at scale, secure favorable economics with predictable, enterprise-tier annual agreements.
Ready to learn how
Examiner-Ready AI
enhances your existing LOS
Join forward-thinking financial institutions using GLASS™ by Quilo™ to spread, analyze, and underwrite with confidence—without the headache of a system overhaul.
2026 Qoosh Technology Inc Copyright
Quilo is a registered trademark of Qoosh Technology Inc.
2026 Qoosh Technology Inc Copyright
Quilo is a registered trademark of Qoosh Technology Inc.
2026 Qoosh Technology Inc Copyright
Quilo is a registered trademark of Qoosh Technology Inc.