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Wagoo

Wagoo

Private desktop assistant-reduce friction & run local Productivity • Privacy • Artificial Intelligence 16 112 Mintlify Knowledge infrastructure for AI agents Notes • Text Editors • GitHub Justin Torre We have been using the editor every day and it's an absolute game changer!!! I love this product and I think it's one of the leading editor experiences I have tried. Also, the ability to publish customer facing docs is just amazing.

Overview

What it is

Wagoo is the AI operating system for lending teams. We automate the back office work that slows lenders down — from deal underwriting and prescreen memo generation to CRM, portfolio tracking, and borrower management. Our AI ingests documents, analyzes financials, flags risks, and produces lender-ready outputs in under 60 seconds. Built for the 45,000+ mid-market lenders that enterprise platforms ignore. One platform to manage your entire lending workflow, not five disconnected tools.

Intent

I need it when

Centralize deal pipeline management and borrower tracking from origination through payoff

Wagoo's built-in Deal CRM tracks borrower records, maturity schedules, insurance expirations, and renewal alerts in one place. Native integrations with email and calendar prevent deals from slipping through gaps in spreadsheet-based workflows.

Reduce underwriting turnaround time from hours to minutes while maintaining accuracy and consistency

Wagoo automates the full underwriting workflow using 5 parallel AI agents that process documents, extract financials, assess risk, and generate prescreen memos in under 3 minutes. This replaces 2-4 hours of manual work, allowing lending teams to focus on credit decisions rather than data entry.

Standardize credit decisioning and deal evaluation across a lending portfolio

Wagoo scores each deal against custom credit criteria automatically, evaluates borrower strength and collateral quality, and flags exceptions. Portfolio intelligence features surface concentration risk and yield trade-offs, enabling consistent evaluation across all deal types.

Generate comprehensive, committee-ready underwriting memos with risk assessments and borrower analysis

Wagoo produces structured prescreen memos that include borrower profiles, financial summaries, risk assessments with source-document citations, and deal recommendations. Memos are formatted to match internal templates and generated in under 3 minutes.

Eliminate manual financial spreading and ratio calculation errors in underwriting

Wagoo's financial agent automatically extracts data from tax returns, bank statements, and P&L reports, then calculates DSCR, LTV, debt yield, and other key ratios. Output is exported as formatted DOCX and Excel workbooks ready for committee review.

Drop

Not a fit when

  • Organization processes fewer than 10 deals per month and does not need significant time savings on underwriting workflows
  • Lender requires fully self-service onboarding without sales consultation or custom configuration of credit models
  • Organization uses non-standard document formats or proprietary data structures that the platform's document agents cannot parse
  • Lending team has minimal financial analysis needs and does not require automated DSCR, LTV, or debt yield calculations
  • Organization cannot integrate with email, calendar, or existing loan management systems due to legacy infrastructure constraints
Commercials

Pricing

USD9.99 - USD99.99 / monthly View pricing