Lama AI

What is Lama AI?

Lama AI is a cloud-based loan origination platform built around AI agents for commercial and small business lending. Agents handle intake from emails, conversations and uploaded folders, assess documents, spread financials into your own templates, and draft credit memos for underwriters to review. A no-code configuration layer lets lenders set application fields, eligibility rules, approval paths and closing conditions without engineering work. Automated underwriting applies configurable criteria to approve, reject or refer applications, and the platform connects to more than 100 pre-built integrations through a REST API. Banks, credit unions and other lenders use it, and the vendor says go-live can take as little as three weeks. Pricing is not published; the site describes it as predictable and asks you to book a demo for a quote.

Use cases

• Automate loan application intake
• Spread financial statements from uploaded documents
• Draft credit memos for underwriters
• Run automated underwriting decisions
• Configure new lending products without code
• Automate annual loan reviews
• Offer embedded lending through an API

Who it's for

• Community and regional banks
• Credit unions
• Commercial lenders
• Fintechs offering lending

Why use Lama AI

• Cuts manual work in lending by letting agents handle intake, spreading and memo drafting.
• Lets credit teams change products and rules themselves, without waiting on professional services.
• Keeps staff in control, since drafted responses and memos are reviewed before they go out.
• Covers the loan lifecycle from application through closing and monitoring in one platform.
• Offers an API-first application for banks and fintechs that want to embed lending.

Lama AI features

• AI agents for intake, document assessment and memo generation
• Financial spreading to custom templates and charts of accounts
• Credit assistant that researches deals and drafts policy-aligned narratives
• Configurable automated underwriting with approve, reject or refer paths
• No-code product configuration for fields, rules and approvals
• Smart application that can be white-labeled or embedded through an API
• 100+ pre-built integrations including core systems and eSignature
• Automated annual review with period-over-period comparisons
• SOC 2 Type 2, SSO and role-based access

How to get started with Lama AI

1. Configure your lending product, application fields, rules and approval paths.
2. Borrowers submit information through the smart application, email or uploaded files.
3. Agents assemble the application, assess documents and spread financials to your templates.
4. Underwriting rules approve, decline or refer each case, and the credit assistant drafts the memo.
5. Your team reviews, finalizes the decision and moves the deal to closing and monitoring.

Lama AI limitations

• Pricing is not published and requires a demo or sales conversation
• Aimed at lenders and banks rather than individual borrowers

Lama AI pricing

Lama AI is sold on custom quotes, so its prices aren't published.

Prices can change and may vary by country or exclude tax. Check the official pricing page.

Lama AI alternatives

The main Lama AI alternatives listed on Debuly are Tiledesk, Krita.ai, Multimodal, Playgrounds, Sauna and BeyondAI. The table compares pricing and platforms; order is A–Z.

1. 

   BeyondAI

   Agentic AI platform with neuro-symbolic reasoning for industrial and enterprise use, in the cloud or on-premises

   Automation and agentsDeveloper platforms
   Contact salesVisit BeyondAI (official site)
2. KA

   Krita.ai

   Enterprise AI platform that builds agents to automate workflows over documents, video, audio and text.

   Automation and agentsResearch and search
   Contact salesVisit Krita.ai (official site)
3. 

   Multimodal

   AI agents and document processing for banks and credit unions, covering lending, operations and compliance workflows.

   Automation and agentsDeveloper platforms
   Contact salesVisit Multimodal (official site)
4. 

   Playgrounds

   Playgrounds is an AI operating system for commercial real estate teams that builds apps, reports and underwriting models from plain-language requests.

   Automation and agentsProductivityResearch and search
   Contact salesVisit Playgrounds (official site)
5. 

   Sauna

   AI teammate with persistent memory that connects to 3,000+ tools and works through the web, iOS, iMessage, Slack and email.

   Automation and agentsProductivityChat assistants
   FreemiumVisit Sauna (official site)
6. 

   Tiledesk

   Open-source no-code platform for building AI agents and chatbots, with live chat handover across web, WhatsApp, voice and more.

   Automation and agentsChat assistantsDeveloper platforms
   FreemiumVisit Tiledesk (official site)

Lama AI FAQ

Sources & verification

Facts on this page come from the official sources below, each with the date we read it. Written by Debuly; the vendor did not review this page.

Image credits

• Logo: from cdn.prod.website-files.com · fetched 24 Oct 2026 · Vendor trademark, used only to identify the product; removed on request
• Cover: none collected yet, so a generated tile is shown.

Spot an error? Report an issue with this listing. We also remove a logo or image on the owner's request.