Skip to main content
AI-Powered Agent

Loan Document Parser

Extract rate, term, amortization, prepayment provisions, covenants, and reserve requirements from loan documents.

<3 min

Processing Time

All Material

Terms Captured

CMBS, Agency, Bank, Life Co

Lender Formats

Excel, PDF, Direct

Export Options

Capabilities

What It Does

Institutional-grade analysis powered by purpose-built AI.

Rate & Term Extraction

Pulls interest rate (fixed, floating, or hybrid), spread, index, term, amortization period, and maturity date into a clean term summary.

Prepayment Analysis

Parses yield maintenance, defeasance, step-down, and open-window prepayment provisions so you can model the cost of an early payoff.

Covenant Tracking

Extracts DSCR, debt yield, LTV, and other financial covenants with tests, cure periods, and default triggers into a structured compliance matrix.

Reserve Requirements

Captures all reserve and escrow requirements — taxes, insurance, TI/LC, replacement, debt service — with initial deposits and monthly funding.

Process

How It Works

1

Upload Loan Document

Upload a loan agreement, term sheet, commitment letter, promissory note, or closing documents as PDF. Supports CMBS, agency, life company, and bank loans.

2

AI Extracts the Terms

The agent reads every section — economics, covenants, prepayment, reserves, events of default — and builds a structured term summary.

3

Review Covenant Matrix

Review every financial covenant, reserve account, and prepayment scenario with references back to the source sections.

4

Export Debt Summary

Download a structured debt summary as Excel or PDF for your deal file, asset management team, or CREagentic Valuation Engine debt tranche.

Comparison

CREagentic vs Manual Process

Review Time
CREagentic: Minutes
Manual: 2-4 hours
Prepayment Modeling
CREagentic: Parameters extracted
Manual: Hand-calculated
Covenant Compliance
CREagentic: Structured matrix
Manual: Narrative tracking
Model Import
CREagentic: Direct to debt tranche
Manual: Manual re-entry

FAQ

Frequently Asked Questions

The parser handles CMBS, Fannie Mae, Freddie Mac, life insurance company, bank, and debt fund loans — including senior, mezzanine, and construction facilities. PDF format only.

Yes. Upload the original loan documents plus amendments and the agent produces a consolidated summary reflecting the current terms.

The agent extracts prepayment formulas and parameters so you can plug them into your own payoff calculator, or push into the CREagentic debt comparison tool for scenario modeling.

Yes. Every financial, operational, and technical default trigger is extracted into the summary with cure periods and notice requirements.

Ready to get started?

Create a free account and try Loan Document Parser today. No credit card required.

We use cookies to improve your experience and analyze site usage. See our Privacy Policy for details.