Early access · waitlist open

The AI assistant for people who close commercial loans.

Our custom AI agents handle the manual time-consuming tasks in the commercial finance process, helping you close more loans, faster, and spend more time generating new business.

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0+Companies in our pre-launch cohort
0+Platform integrations
AllCommercial loan types

Trusted by top commercial finance companies

  • Walker & Dunlop
  • CBRE
  • JLL
  • Newmark
  • Northmarq
  • Berkadia
  • Greystone
  • Arbor
  • Lument
  • Marcus & Millichap
  • Meridian Capital
  • KeyBank
  • Wells Fargo
  • Live Oak Bank
  • Ready Capital
  • Bellwether Enterprise
See it work

Watch Archie take a file from inbox to memo.

One minute. One Marietta 504. Every step you’d normally do by hand.

0:00 / 1:00
9:41
Hybrid
iMessage
Today 2:38 PM
Priya wants the lock letter on Tampa by 3.
Drafted at 7.10, 45-day lock. It’s in your Gmail drafts. Send it?
Send it. Remind me Friday to check the appraisal.
Sent 2:41 PM. Reminder set: Friday 9:00, Tampa appraisal status.
What’s still open on Tampa?
Delivered
Three items: the 2025 return, the insurance binder, and the environmental from the last refi. Want me to draft the ask to Priya?

Text it. Call it. It’s already in your inbox.

Hybrid lives where you already work. Text it from the parking lot, call it between meetings, or forward an email. It drafts the reply, sets the reminder, and keeps the file current.

  • Text itA number in your contacts. Ask for status, a DSCR, or a draft, and get it back in seconds.
  • Call itTalk through a deal on the drive back. It takes the notes, updates the file, and queues the follow-ups.
  • Email itForward a package or cc it on a thread. It drafts replies in your voice and sends reminders when you say go.
On a call · 4:12“Move Nashville to term sheet, 9.75 IO, and get me the sponsor’s track record by Monday.”

An assistant that already knows how a commercial file moves.

OM.pdf
T-12.xlsx
Rent roll

Intake and sizing

Forward the OM, T-12, and rent roll. Get back a sizing summary with LTV, DSCR, and the structure that fits, plus the questions the package didn't answer.

SBA 504Fits
SBA 7(a)Size cap
Conv.DSCR 1.25
BridgePricey

Program fit

Compares the deal against 7(a), 504, conventional, bridge, and DSCR guidelines and tells you which one closes, with the eligibility issue named up front.

To: Dan R. · Re: Marietta flexDan, two items still open on the Marietta file: the 2025 business tax return and the signed occupancy schedule. Can you get those over by Thursday?Draft · awaiting your OK

Doc chasing

Tracks what's outstanding on every file and drafts the follow-up to the borrower or broker. It never sends without you unless you tell it to.

Credit memo · draft 1Sources & uses, collateral, global cash flow, guarantor strength, risk mitigants.

Credit memo draft

Turns the file into a first-draft memo in your bank's format. You edit the judgment calls. It handles the retyping.

GmailCalHLOSCRM

Email assistant

Reads the thread, drafts the reply, and sends the reminder to the borrower or broker when you say go. Lives in Gmail and Outlook, next to your calendar, LOS, and CRM.

Aug 12OM received, sized for 504
Aug 19Term sheet out, 6.9% / 25 yr
Aug 27Occupancy schedule received, 53%
Sep 9Memo draft ready for review

Pipeline memory

Remembers every deal, every rate quoted, every promise made to a broker. Ask "where are we on Tampa" and get the real answer.

LineBrokerNormalized
Gross rent1,284,0001,284,000
Vacancy—(64,200)
Mgmt fee—(48,800)
Reserves—(22,500)
NOI1,012,000912,000

Rent roll and T-12 spreading

Turns whatever spreadsheet the broker sent into a normalized spread with vacancy, management, and reserves applied, and the assumptions it changed called out.

How it works

You work the deal.
Hybrid runs the file.

From the broker’s first email to a memo that’s ready for credit.

Source of truth

Every deal, one record.

Connects your email, phone, LOS, CRM, and the assistant.

  • Every email, text, call, and document on a deal in one place
  • Deal data synced to your LOS and CRM automatically
  • Requested, received, missing, and next-action status at a glance
  • No more digging through five systems to see where a file stands
Broker call endedPhone
Marietta flex industrial Living deal recordLive
Sponsor identitymatched
Loan contextSBA 504 · purchase · $10.9M
Docs requested / received8 / 5
LOS statussynced
Next actionchase occupancy schedule
Chase borrowers

Doc collection on autopilot.

Adaptive checklist, automated follow-ups.

  • Builds the checklist each file actually needs, by program and asset type
  • Drafts every follow-up. You approve, Hybrid sends
  • Keeps chasing the broker, the borrower, and the CPA until the file is complete
File checklist3 / 5 received
Signed occupancy scheduleeligibility
2025 business returncash flow
Personal financial statementguarantor
Purchase contractcollateral
2023 business returncash flow
Follow-up drafted by HybridSent 9:02 AMHi Dan – almost there on Marietta. Two left: the purchase contract and the 2023 business return. Reply here with both and I’ll take it from there.
Document analysis

Extract every doc.

Spread the numbers, verify completeness.

  • Right doc, right entity, right period, checked on arrival
  • NOI, DSCR, and global cash flow computed from the accepted documents
  • Wrong or missing pages flagged and chased
Inbound documentsanalyzed on arrival
Occupancy_Schedule_signed.pdfoccupancy schedulequeued
2025_Business_Return.pdfbusiness return · 2025queued
T-12_Marietta.xlsxtrailing 12queued
Rent_Roll.pdfrent rollqueued
Normalized NOI$0/ yr · DSCR — at 6.9%calculated by Hybrid
T-12 + rent roll · cross-checkedvacancy, mgmt, reserves applied
Integrations built for commercial

Connect your entire stack.

Your email, phone, LOS, CRM, and data providers. All connected in one place.

Works with your platforms

What comes off your plate on every file.

TaskBy handWith HybridWhat you still do
Sizing a new OM45 min4 minSanity-check the NOI
Program eligibility check1–2 hrsInstantCall the borrower on the flag
Rent roll and T-12 spreading1.5 hrs5 minCheck the assumptions
Global cash flow and guarantor analysis1 hr5 minJudge the guarantor
Doc checklist and follow-ups3 hrs / week10 minApprove the drafts
Term sheet and LOI drafting1 hr10 minSet the pricing
First-draft credit memo4 hrs20 minWrite the risk section
Closing checklist tracking2 hrs / week10 minSign what needs signing
Status updates to brokers and borrowers1 hr / week0Nothing
CRM and LOS data entry30 min / file0Nothing

The questions lenders ask first.

Does it send emails or make commitments on my behalf?

No. Everything Hybrid writes lands as a draft in your inbox or in the app. You can turn on auto-send for narrow things like doc reminders, per file, if you want to.

Which programs does it understand?

SBA 7(a) and 504 in depth, including the SOP eligibility rules that trip up occupancy, use of proceeds, and affiliation. Conventional bank, bridge, DSCR, agency multifamily, and USDA B&I at the level you'd expect from a sharp analyst. You can load your own bank's credit policy so it sizes to your box.

Who is it built for?

Commercial loan officers at banks and credit unions, non-bank originators, and commercial mortgage brokers. If you spend your day getting a commercial loan from OM to funding, it's for you.

How do I reach it?

Text it, call it, email it, or open the app. Same assistant, same file, whichever is closest to hand. Anything it writes on your behalf waits for your go unless you’ve told it otherwise.

Does it plug into my LOS and CRM?

Gmail, Outlook, and Google or Microsoft calendars on day one. Commercial LOS, CRM, and credit connections such as nCino, Abrigo, Baker Hill, Salesforce, and HubSpot roll out to waitlist members first, starting with the systems most of the list is on. Tell us yours when you sign up.

What happens to my borrower data?

It stays yours. Files are encrypted, kept in your workspace, and never used to train models. Delete a deal and it's gone from Hybrid.

What does it cost?

Per-seat pricing, set when early access opens. Waitlist members get the founding rate and keep it.

Early access opens in batches.

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