Vine Financial, a commercial lending accelerator for banks and credit unions, is giving lenders a sharper, faster way to assess borrowers. The company has expanded its AI-powered document reading platform to process audited and interim financial statements, in addition to tax returns — a move designed to streamline underwriting, reduce manual data entry, and improve the accuracy of credit decisions.

The update effectively widens Vine’s automation reach across the lending lifecycle, empowering credit teams to make decisions with greater confidence and less paperwork.

AI That Speeds and Strengthens Credit Decisions

Until now, Vine’s platform primarily extracted financial data from borrower tax returns. With this new update, lenders can now automatically import data from a broader range of documents — including audited and interim statements — directly into their custom spreading templates.

That means less time typing, copying, or reconciling figures and more time analyzing risk and structuring deals. For lenders managing hundreds of mid-market or commercial borrowers, this kind of automation could shave days off turnaround times.

“Manual data entry slows down lenders’ decisions and introduces errors that can affect their credit quality,” said David Eads, CEO and co-founder of Vine Financial. “By expanding our capabilities, we’re automating even more of the process so lenders are free to make faster, more accurate decisions and create better borrower experiences.”

A Broader, More Complete Borrower View

The ability to blend tax data with audited and interim financials gives lenders a richer, real-time picture of borrower health—especially for recent periods where tax data may not yet be available. This is a particularly meaningful enhancement for institutions serving commercial clients that produce audited financial statements, such as manufacturers or service firms with complex balance sheets.

The new functionality also supports stronger audit readiness by ensuring consistent, accurate data flows from source documents to credit models—reducing the manual manipulation that can trigger audit exceptions later.

Staying Competitive Through Automation

As banks and credit unions face rising competition from fintechs and alternative lenders, the ability to accelerate underwriting without compromising credit quality is becoming a strategic differentiator.

Vine’s platform sits squarely at that intersection, offering AI-powered data extraction and workflow automation that turns tedious document processing into a fast, auditable, and compliant process.

For lenders, that means shorter decision cycles, fewer errors, and greater profitability — all while maintaining regulatory rigor.

The latest update reinforces Vine Financial’s mission to make commercial lending smarter, faster, and more competitive, giving community and regional financial institutions a technological edge once reserved for the biggest banks.