- Three-year trailing revenue$1,284,310TR ’21–’23 · p. 4
- Bank-deposit cross-check$1,302,748BS 12mo · export
- Owner-draw add-back+ $42,000P&L ’23 · L. 14
- Equipment / collateral2021 CascadiaInvoice · VIN
Private design partners now open
Stop rebuilding the credit file by hand.
Tally Hand turns messy equipment finance submissions into source-backed, review-ready credit files.
Book a 15-minute callTally Hand is in private development. Decision support for human credit review, not an automated lender.
Your team is not slow. The file is scattered.
Equipment finance teams lose hours because every deal arrives in pieces: broker emails, PDFs, applications, invoices, bank statements, tax returns, UCC searches, debt schedules, insurance documents, spreadsheets, and follow-up threads.
Before anyone can make a credit decision, someone has to rebuild the file. That means rekeying facts, checking documents against each other, running calculations in spreadsheets, chasing missing conditions, and trying to preserve an audit trail after the work is already done.
Tally Hand is built to remove that reconstruction work.
- 01 · Intake
Submissions arrive incomplete.
Applications, invoices, bank statements, debt schedules, insurance docs, and UCC information rarely arrive cleanly on day one.
- 02 · Rekeying
Facts get rekeyed everywhere.
Analysts pull the same applicant, equipment, vendor, bank, and collateral details into spreadsheets, memos, LOS fields, and emails.
- 03 · Math
Calculations live outside the workflow.
Advance rate, LTV, payment burden, deposits, negative days, and deal scenarios depend on disconnected spreadsheets and manual checks.
- 04 · Conditions
Conditions disappear in email.
Insurance evidence, lien resolution, entity documents, owner IDs, and funding conditions get buried in back-and-forth threads.
- 05 · AI
AI summaries are not enough.
A nice answer is not enough to lend against. You need the evidence behind every number, math that reconciles, and a decision you can defend.
The product
Everything in the credit file. All in one place.
From a scattered submission to a credit-ready file: intake, evidence, math, review, and memo, without rebuilding it at every step.
DSCR1.78vs 1.25 · passes
Advance rate100%invoice-backed
Qualifying cash flow$158,420computed
- DSCR above 1.25 threshold
- Deposits reconcile to tax returns
- Insurance certificate missing
- UCC: existing lien needs payoff
- Credit applicationreceived
- Equipment invoicereceived
- Bank statements · 12moreceived
- Tax returns ’21–’23received
- UCC searchpending
- Insurance certificatemissing
Credit memo: Pinewood Lumber LLC
$112,400 over 60 months for a 2021 skid steer. Qualifying cash flow $158,420; DSCR 1.78 against a 1.25 policy floor.
Conditions
- Current insurance certificate naming lessor.
- Payoff of existing UCC lien before funding.
Ready for review
What your team can count on.
Audit-ready by default.
Every figure traces back to a source document, so the trail is already there when committee or an examiner asks.
Numbers you can defend.
Payment, LTV, advance rate, and DSCR come out the same every time. Figures you can take to committee and stand behind in an audit.
You stay in control.
Tally Hand organizes, flags, and prepares the file. The credit decision is always yours.
Build the file once.
It carries from intake to memo to conditions to approval, without anyone rebuilding it at each stage.
Fits how you already work.
Sits alongside your LOS, CRM, and inbox, and we help wire up the integrations and shape it to your files. Not a generic template.
Not a chatbot sitting on top of PDFs.
Generic document AI
- Summarizes documents.
- Answers questions.
- Loses the source behind a claim.
- Numbers that don’t always reconcile.
- Lives outside your workflow.
Tally Hand
- A credit file you can review in minutes.
- Every figure traces to its source.
- Numbers that reconcile every time.
- Missing items and conflicts surfaced for you.
- Memo, conditions, and review in one place.
AI is useful. But credit teams need more than useful text. They need a system of record for how the file was understood.
Overview
What Tally Hand does, who it’s for, and how it fits into your lending operations.
What does Tally Hand do?
Tally Hand takes a messy equipment finance submission — applications, invoices, bank statements, tax returns, UCC results, broker emails — and turns it into a structured, credit-ready file. It pulls out the facts, links each one to its source, runs the deal math, flags what’s missing or risky, and drafts the credit memo. Your team reviews and decides.
Who is Tally Hand built for?
Tally Hand is built for equipment finance lenders and the teams around small-ticket business lending: independent lessors, captives, bank leasing arms, and brokers. Credit officers, underwriters, operations, and risk/fraud reviewers use it to get through more deals without adding headcount.
What problem does Tally Hand solve?
It handles the slow work between “application received” and “ready to decide.” Today that means collecting documents, checking the business is real, reading bank statements, spotting fraud signals, applying your credit policy, and writing the memo — all by hand. Tally Hand does that work the same way every time, with a clear trail back to the source.
Is Tally Hand a loan origination system?
No. Tally Hand is an intelligence layer that sits alongside the systems you already use: your LOS, CRM, inbox, portal, and file storage. It prepares, analyzes, and documents the deal, then pushes the structured results back into tools like Salesforce or your LOS. We work with you to wire up the integrations you need.
Does Tally Hand replace underwriters?
No. It removes the repetitive parts — document review, data entry, verification, first-pass analysis, and memo drafting — so your underwriters can focus on judgment, exceptions, structuring, and the final call. People stay in control.
How is it different from generic AI tools?
Generic AI can summarize text. Tally Hand is built for lending: it understands borrower packages, bank statements, KYB checks, credit policy, fraud signals, conditions, credit memos, and the handoff back to your LOS or CRM. The output is structured, evidence-backed credit intelligence you can act on.
How proven is Tally Hand?
Tally Hand is early and in active development with a small group of design partners. It’s built by an engineer who previously built variable-income calculations, document cross-checks, and chat-over-conditions for a mortgage AI underwriting platform — the parts underwriters trusted most, because the math was right and the trail was defensible. We’re shaping it now around real equipment finance files, not a generic template.
The old workflow wasn’t designed for today’s volume.
Equipment finance teams are being asked to move faster, handle more documents, respond to brokers sooner, and maintain cleaner audit trails. But the core workflow is still stitched together with inboxes, spreadsheets, PDFs, portals, notes, and manual checks.
Tally Hand is being built for the next version of that workflow: faster files, defensible numbers, and a clear audit trail, with the credit decision still in your hands.
Pricing, onboarding & support
How Tally Hand is priced, how a pilot works, and what it takes to get started.
How is Tally Hand priced?
Pricing depends on what you run through it: workflow scope, deal volume, the modules you use, integrations, and support. Most teams start with one focused workflow or a pilot, then expand as it proves out across intake, analysis, and memo writing.
Can we pilot before committing?
Yes. We run focused pilots around a specific workflow: document intake, bank statement analysis, KYB, credit memo generation, or broker package processing. A pilot is the fastest way to check fit, accuracy, integration needs, and real impact on your team.
What does onboarding look like?
We start by learning your actual process: a workflow walkthrough, a look at your documents and credit policy, configuration, testing on real (redacted) sample files, your team’s feedback, any integration setup, and hands-on support through go-live. The goal is to match Tally Hand to how you underwrite, not force a generic workflow.
Who should be involved in evaluating it?
The best evaluations include credit leadership, the underwriters or analysts who’ll use it day to day, operations, risk/fraud, IT/security, and whoever owns your LOS or CRM. Bringing them in early keeps workflow, controls, and integration aligned.
How do I see Tally Hand in action?
Book a 15-minute call and we’ll walk a real lending workflow, from a raw borrower package to structured analysis and a drafted credit memo. The best walkthroughs are tailored to your lending type, documents, credit policy, and current systems.
Design partners
We’re building this with the people who live inside the workflow.
We’re opening a small design partner group. We’re looking for equipment finance lenders, brokers, and credit operators who want to shape the product around real submission workflows.
Bring one redacted deal. We’ll map where the file breaks, show what Tally Hand can already structure, and build around the parts that matter most to your team.
Design partners now open
Bring us your messiest credit workflow.
If your team is reviewing equipment finance files through PDFs, spreadsheets, inboxes, and disconnected systems, we should talk. We’ll map exactly where the file breaks.
Book a 15-minute call