Never lift a finger again. Voice AI for email & calendar
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.
Wagoo's coordinated agent swarm applies consistent credit models, financial ratio calculations (DSCR, LTV, debt yield), and risk scoring to every deal. Portfolio intelligence features surface concentration risk and yield trade-offs, enabling standardized evaluation across hard money, debt funds, SMB lenders, and credit unions.
Wagoo automates the full underwriting workflow—document parsing, financial spreading, risk assessment, and memo generation—in under 3 minutes. Lending teams upload deal packages and receive formatted prescreen memos ready for committee review, eliminating 2-4 hours of manual data entry and analysis per deal.
Wagoo's Deal CRM organizes borrower records, loan stages, maturity schedules, insurance expirations, and renewal alerts in one platform. Native email and calendar integrations ensure follow-ups are not missed, replacing fragmented spreadsheet and email workflows.
Wagoo's financial agent automatically extracts structured data from tax returns, bank statements, P&L reports, and rent rolls, then calculates key ratios without manual formula entry. Output includes custom-formatted Excel workbooks and DOCX memos with full source-document citations.
Wagoo's web enrichment agent pulls current market comparables, property data, and public records to build comprehensive borrower profiles and flag market-specific risks. This external context is synthesized into the final underwriting memo alongside internal financial analysis.