For private lenders and MICs in Ontario
Your book is growing. Your arrears are growing. Your team is the same size.
Underwriting files, committee packages, and workout files prepared decision-ready by an AI assistant that sits on top of the lending system you already run, with the principal approving every decision. When your commitment lands same-day, you win the deals a slower lender loses.
NDA standard · Anonymized files · On top of your systems
In their words
"Every file waits for my eyes before it moves."
"Committee packages take days to assemble."
"Workout files eat the hours origination needs."
"When our commitment is slow, the broker's next deal goes to someone faster."
What we automate
- Underwriting file assembly into a decision-ready package, with income, security, and exceptions flagged for the principal's call.
- Condition tracking and follow-up, so nothing outstanding gets lost between commitment and funding.
- Arrears and workout file preparation, pulling the history and status together before it reaches you.
- Investor and committee reporting, drafted from the current book for your review.
- Renewal files prepared as routine volume, so the recurring load moves without pulling a person off new deals.
The market right now
More origination and more workouts are landing on the same small team. The top of the market is growing while arrears climb, and both loads run through the same few people.
+8.8%
Top-25 mortgage investment entities grew assets under management year over year.
Q3 2025 industry data (market benchmark).
1.96%
90+ day delinquencies, roughly triple the pandemic low.
Q3 2025 industry data (market benchmark).
These figures are market data, not Artomai results.
How we start
Fixed scope · ~3 weeks · Proven on your files first
One workflow, fixed scope, built and live in about three weeks. We prove it on your own anonymized files first, under NDA, before you commit to more.
Senior hands, enterprise pedigree
We spent years building underwriting and case-management automation for major lenders on enterprise platforms. We have not yet published a private-lending case study, and we will not borrow someone else's number to pretend otherwise. What we can show is delivered results in adjacent document-heavy operations, AquaSmart and MinMax, at /case-studies, as proof of the capability shape.
85%
Fewer data errors on AquaSmart's field-services operation (a delivered result for that client).
On the broker side?
Origination brokerage tooling is crowded and mostly solved, so we do not try to rebuild it. Where we help is the seams between the tools you already use, moving the data that gets re-keyed by hand today. If that sounds like your day, it is worth a conversation.
Talk it throughBook a 20-minute file-process map.
You'll leave knowing where your underwriting hours go and which files could reach commitment same-day, whether or not you work with us.
Kickoff in ~2 weeks · NDA on request · You stay in control