Why LendPaper?

In lending, speed isn't an advantage — it's the deciding factor. While reps run numbers across three different screens, nimble direct lenders are calling your borrower with hard numbers. LendPaper eliminates the fragmentation that kills viable deals.

Traditional Lending Chaos

CHAOS The "Three-Screen" Chase

Reps run math across siloed, slow tools while the borrower sits on the line.

CHAOS The "Janky Spreadsheet"

Prospects get unpolished estimates that fail to inspire institutional confidence.

CHAOS Pipeline Rejections

Deals die late in underwriting because no one caught the DSCR or verified the business entity upfront.

The LendPaper Way

ORDER Single-Screen Control

Underwriting utility, public data, and compliance in one modern dashboard.

ORDER 10-Second Velocity

Run flawless multi-scenario math live and send a clean, professional estimate instantly.

ORDER Pre-Submission Guardrails

Catch critical eligibility metrics and pull Secretary of State data before submission.

The flags your pipeline can't afford to miss

DSCR Below Threshold

Surfaces debt service coverage gaps before submission — not after underwriting kills the deal.

SoS Entity Mismatch

Pulls Secretary of State data live to flag dissolved, suspended, or mismatched business entities.

SBA Eligibility Gaps

Pre-screens for ineligible business types, ownership structure issues, and size standard violations.

Cash Flow Inconsistencies

Cross-references stated revenue against tax documents to surface discrepancies before they become rejections.

SG
Steve Gowa Founder

I built the revenue enablement function at NerdWallet from zero — and helped scale the B2B lending org from $9M to $44M ARR. I know what a broken underwriting workflow costs, because I built the tools to fix one.

At NerdWallet, I trained a custom AI model on lending documents that lifted underwriting analysis accuracy from 30% to 90%+, projecting $2.3M in annual savings. I then shipped production SBA loan software purpose-built for a $30B market. LendPaper is the natural next step.

I also hold an M.Ed from Boston University — which means I build for the humans who have to use the software, not just for the technical spec. Adoption isn't an afterthought here.

  • $9M → $44M ARR scaled at NerdWallet B2B lending
  • AI underwriting: 30% → 90%+ accuracy, $2.3M projected savings
  • Production SBA software targeting a $30B market
  • M.Ed, Boston University — built for people, not spec sheets
  • No predatory contracts. No vendor lock-in. Ever.
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I've watched lenders lose viable deals because a rep couldn't pull DSCR fast enough, or no one caught the SoS mismatch until underwriting. That's not a talent problem — it's a tooling problem. LendPaper is what I would have built at NerdWallet if I'd had the runway.

Steve Gowa Founder — ex-NerdWallet, ex-Lendio
90%+ Underwriting accuracy with custom AI model
$9M→$44M ARR scaled on the same lending stack philosophy
No vendor lock-in You own the code Ships in weeks Security reviewed Built for adoption No legacy debt Plain English Made in MA

Ready to work together?

LendPaper is a tool — but the founder is also available for custom builds, white-label deployments, and hands-on enablement training. The same methodology that helped scale NerdWallet B2B lending from $9M to $44M ARR.

Email Steve
Custom tooling Built for your desk's exact product mix
White-label Your logo, LendPaper as silent infrastructure
Enablement training M.Ed methodology from ex-NerdWallet