Merchants Capital Launches Clik.ai to Automate Loan Servicing Operations

Merchants Capital automates loan servicing operations and financial data intake by deploying Clik.ai’s proprietary extraction and classification engine across its national lending platform. Integrating Clik.ai delivers a 90% reduction in manual data processing time and 99% extraction accuracy across commercial real estate financial documents, enabling servicing teams to process property rent rolls and operating statements in minutes. Commercial mortgage lenders face significant operational friction during post-closing surveillance when borrower financials, trailing 12-month (T12) statements, and property cash flows arrive as unstructured PDFs.

By connecting Clik.ai’s automated extraction layer directly into proprietary banking databases, mortgage banking institutions convert raw borrower submissions into structured, decision-ready records without manual rekeying.

Streamlining Servicing Operations at National Scale

Merchants Capital operates as a top nationwide lender specializing in originations, acquisition financing, new construction, and substantial rehabilitation across multifamily, affordable, senior, and student housing. Managing high-volume loan servicing across nationwide property portfolios creates significant document processing demands during quarterly and annual review cycles.

The Problem with Manual Borrower Statement Processing

Borrower-submitted financial statements, profit and loss reports, and property rent rolls arrive in non-standard layouts. Manually rekeying these numbers into internal servicing platforms consumes substantial analyst time, increases transcription error risks, and creates back-office bottlenecks when loan application volume spikes.

Automated Intake with Exception-Based Review

Deploying automated extraction software transforms loan servicing into an exception-based workflow. The system parses property cash flows, normalizes line items, and populates internal banking platforms automatically, allowing asset managers and underwriters to focus on credit review rather than manual data entry.

Core Capabilities of Servicing Intake Automation

To maintain operational speed across commercial real estate portfolios, loan servicing automation platforms deliver five core capabilities:

Servicing Capability	Manual Operational Challenge	Automated System Outcome
Document Classification	Sorting mixed PDF packages and attachments manually	Automatic classification and routing of rent rolls, T12s, and operating statements
Rent Roll Data Extraction	Rekeying unit-level occupancy schedules and rental income	Standardized field extraction across 50+ data fields and 12 major sections
Financial Statement Spreading	Mapping varied borrower line items into internal spreadsheets	Automated normalization into standardized institutional templates with 99% accuracy
Source Citation & Audit	Searching through PDFs to verify figures during servicing reviews	100% section and page citations linking database fields directly to source files
System Integration	Rebuilding file structures for internal servicing databases	Direct data transfer into proprietary platforms via custom APIs and JSON outputs

Lenders evaluating automated file intake can review the case study on success in the automation of commercial real estate underwriting to examine institutional performance outcomes.

Operational Advantages for Lenders and Asset Managers

Deploying automated data extraction across loan servicing operations provides measurable operational benefits:

1. Rapid Cash Flow and Rent Roll Review

Asset management teams review property financial health and rent roll data in minutes rather than hours. This speed provides real-time visibility into property-level performance, occupancy shifts, and debt service coverage metrics.

2. Enhanced Data Security and Confidentiality

Bank compliance requires strict data privacy standards. Clik.ai processes extracted financial values securely in memory, transmitting structured payloads directly into the bank’s proprietary platforms while maintaining complete confidentiality and exam readiness. Software teams evaluating risk controls and ethical AI frameworks can explore 2025 CRE underwriting AI ethics redefine risk and returns to ensure transparent data governance.

3. Scalable Workload Management During Pipeline Surges

Lending volume fluctuations can strain back-office capacity. Automation provides the operational capacity required to handle surges in loan applications from small-to-midsize property owners without proportional headcount growth. To understand how specialized extraction models outperform general software, explore why specialized AI saves CRE firms millions vs generic tools.

Proven Institutional Performance

Clik.ai provides software automation built specifically for commercial loan origination, financial spreading, and portfolio servicing:

• 90% reduction in manual data processing time.
• 99% extraction accuracy across operating statements, rent rolls, and financial documents.
• 24-hour turnaround on complete financial spreading and underwriting workflows.
• Up to 50% time savings on operating statements and rent roll processing, with 90+ agency, life company, and CMBS underwriting models integrated.
• Over $50 billion in CRE deals underwritten using the platform since 2017.
• Adopted by 3 of the top 10 US lenders by 2024.

Original Press Release Reference

The partnership between Merchants Capital and Clik.ai reflects an ongoing commitment to modernizing commercial mortgage operations, improving turnaround times, and protecting borrower data integrity.

To read the original announcement details, view the official press release on PRNewswire.

Conclusion

Since the initial deployment with Merchants Capital, automated loan file intake has evolved from a point solution into an essential operational layer for institutional mortgage lenders. By combining automated document classification, rent roll data extraction, and direct database integration, commercial lenders eliminate manual data entry, accelerate asset management review cycles, and build resilient, scalable servicing workflows that are worth evaluating against your workflow.

Frequently Asked Questions

How does Merchants Capital use Clik.ai for loan servicing?

Merchants Capital utilizes Clik.ai’s extraction and classification engine to automate the processing of rent rolls and property cash flow statements, transferring extracted data directly into the bank’s proprietary loan servicing platform.

How does automated extraction protect borrower data confidentiality?

Automated extraction software processes financial documents securely in memory, transmitting structured data outputs directly to internal banking databases without storing sensitive borrower content on external servers.

Can servicing automation handle high volumes during application surges?

Yes. Automation eliminates manual data entry bottlenecks, enabling commercial mortgage lenders to absorb pipeline surges across multifamily, affordable, senior, and student housing portfolios without adding back-office staff.