Resources / How It Works

From deal intake to investor report, automated.

CapitalMrkts replaces the manual workflows that slow down commercial lending. Here is how a deal moves through the platform, start to finish.

Step 01

Create a deal

Add a new deal to your pipeline. Enter the property, borrower, and loan request, and CapitalMrkts takes it from there.

✓Templated document request sent to the borrower automatically
✓Borrower gets a branded upload portal, no email back-and-forth
✓Deal appears in your pipeline with status tracking from day one
New DealDRAFT
Property1468 W 39th St
Borrower1468 W 39th LLC
Loan request$2,500,000
TypeCRE · Acquisition
✓Document request sent to borrower
DocumentsCLASSIFYING
Uploaded fileClassifiedStatus
2025_Return.pdfTax ReturnRenamed
RR_q1.xlsxRent RollRenamed
op_stmt.pdfOperating StmtRenamed
Insurance CertMissingFlagged
Tickler: reminder #2 sent to borrower

Step 02

Documents arrive and get processed

As the borrower uploads files, the platform validates, classifies, and renames every document in real time.

✓AI classifies each file: rent rolls, tax returns, operating statements, entity docs
✓Mismatches and missing items are flagged instantly
✓Automated ticklers with escalating reminders keep borrowers on track
✓Files are renamed to your naming conventions automatically

Step 03

Financials are spread automatically

The moment documents land, AI extracts line items and builds a full income and expense spread across multiple periods.

✓Gross revenue, vacancy, operating expenses, NOI, all extracted automatically
✓DSCR, debt yield, and cash flow calculated across 2023, 2024, and T-12
✓Guarantor information pulled and credit reports run in parallel
✓Red flags and data anomalies surfaced before your analyst opens the file
Auto Spread● EXTRACTING
Line20232024T-12
EGI$1.82M$1.96M$2.00M
OpEx($742K)($768K)($775K)
NOI$1.08M$1.19M$1.23M
DSCR
1.54x
Debt yield
9.8%
Credit
Running
Anomaly: 2024 R&M up 38% YoY, flagged
Deal Room · 1468 W 39th St7 MEMBERS
DocumentsNotesTasksActivity
Credit: confirm the 38% R&M jump isn't a one-time capital item before committee.
M. Reyes, Credit · 1h ago
Task: upload capital-expenditure detail→ RM
Analyst attached cash-flow exhibit · 2h ago

Step 04

Your team works it to a decision

The deal moves into a shared deal room where originators, analysts, and credit collaborate, with notes, tasks, and a full activity trail in one place.

✓Notes, tasks, and activity in one shared deal room
✓Role-based access for RMs, analysts, credit, and committee
✓Assign tasks and comments to the right people
✓A full activity trail for audit and committee review

Step 05

Portfolio is managed on autopilot

Once a deal closes and enters your portfolio, CapitalMrkts keeps tracking it, covenants, reviews, doc requests, and compliance.

✓Real-time covenant tracking with breach alerts
✓Annual reviews, insurance renewals, and financial updates auto-assigned
✓Portfolio health dashboards with stress and cash flow metrics
✓Filter by state, loan type, or manager and assign tasks in bulk
Portfolio Monitor1 Breach
DSCR breach, Oakwood Plaza1.08x
✓Annual review auto-assigned→ J. Okafor
✓Insurance renewal request sentCedar Mall
Book health
96%
On watch
6
Reviews due
12
Report BuilderLP Report
⠿Cover & summaryOn
⠿Loan-level performanceOn
⠿Cash flow & covenantsOn
⠿Stress scenariosOff

Step 06

Reports generated with one click

Build a report template with exactly the fields your investors want. Hit generate and every loan gets a consistent, professional report.

✓Drag-and-drop report builder, add, remove, or reorder blocks freely
✓One click generates reports for every loan in your portfolio
✓Consistent formatting and professional output every time
✓Works for LP investor reports and bank syndication / participation partners

See the whole workflow in action

Schedule a personalized demo and we will run a live deal from intake to investor report, every step on screen.