• 

  Offering

• 

  Voice Based Answering

• 

  Compliance Checks

• 

  Loan Templates

• 

  Borrower View

• 

  Lender View

• 

  Sharing

LAR - LMA Automate Reimagined

The Problem We Set Out to Solve

Anyone who has worked with loan documentation knows the drill. You sit down with a borrower, pull out a stack of forms, and start asking questions. Name? Address? Loan amount? Purpose? The borrower answers, you type it in, move to the next field, repeat. It's tedious for everyone involved.

Then comes the compliance review. Someone has to read through every clause, cross-reference it against LMA guidelines, flag anything that looks off, and document their findings. This happens multiple times before a single signature is collected. Hours turn into days.

And what about the borrower? They receive a 40-page document filled with legal language they don't fully understand. They sign because they trust the process, not because they actually know what they're agreeing to.

We thought there had to be a better way.

What LAR Does Differently

LAR reimagines the entire loan documentation workflow, from the first conversation to the final signature.

Talk, Don't Type

Instead of filling out forms field by field, loan officers can simply talk. Our voice questionnaire lets you speak naturally: "The borrower is Greenfield Properties, contact person is Sarah Chen, they're looking for 2.5 million to retrofit their office building for energy efficiency."

The system listens, understands context, and fills in the right fields automatically. It's like having a conversation with a colleague who takes perfect notes. No more hunting for the right dropdown or typing the same information into five different boxes.

This isn't about replacing human interaction. It's about removing the friction so loan officers can focus on what matters: understanding the borrower's needs and building a relationship.

Compliance Research That Actually Helps

Compliance checking is usually a checkbox exercise. Did we include clause X? Is section Y present? That's necessary, but it misses the bigger picture.

LAR's Compliance Research goes deeper. It scans the entire document against LMA Green Loan Principles, flags missing disclosures, weak language, and potential regulatory gaps. But it also looks at something that's often overlooked: fairness.

Are there clauses that heavily favor one party? Does the borrower have reasonable protections? Is the lender exposed to unnecessary risk? The system highlights these imbalances so both sides can negotiate from a position of understanding.

Every issue comes with a clear explanation and a suggested fix. No legal degree required to understand what's wrong or how to address it.

A Borrower Experience That Makes Sense

Here's something that surprised us during development: borrowers don't want a portal login and a dashboard. They want simplicity.

When a lender shares a document through LAR, the borrower gets a single link. That's it. They click it, and they see their loan agreement in their preferred language (automatically translated if needed). They can highlight any clause and ask for a plain-English explanation. They can leave comments or questions for the lender to review.

No account creation. No password to remember. No learning curve.

This matters because confused borrowers slow everything down. They call with questions, they hesitate to sign, they ask their lawyer to review things that are actually standard. A borrower who understands their agreement is a borrower who moves forward confidently.

Why This Matters for the Industry

The loan market moves trillions of dollars every year. Yet the documentation process hasn't fundamentally changed in decades. We're still filling forms, manually checking compliance, and hoping borrowers read what they sign.

LAR doesn't replace the expertise of loan officers or compliance teams. It amplifies it. A loan officer who spends less time typing can spend more time advising. A compliance review that surfaces real issues (not just missing checkboxes) reduces risk. A borrower who understands their agreement becomes a better long-term client.

The efficiency gains are measurable: faster document creation, fewer compliance cycles, quicker borrower turnaround. But the real impact is harder to quantify. It's the loan officer who actually enjoys their job again. It's the borrower who feels respected, not overwhelmed. It's the compliance team that catches a problematic clause before it becomes a dispute.

Built for Green Lending

LAR currently focuses on Green Loan Agreements, aligned with LMA's Green Loan Principles. As sustainable finance grows, the industry needs tools that make green lending not just compliant, but genuinely accessible. That's what we're building toward.

Built With

• typescript