Introducing CreditOS by Cos24
A better front door for
SBA lending
CreditOS helps SBA lenders reduce manual screening and receive better-fit opportunities before underwriting begins.
Too much underwriting time is spent on deals that were never a fit.
Fragmented Inflow
Submissions arrive through email, PDFs, and fragmented broker channels.
Inconsistent Packages
Early packages are inconsistent and incomplete, requiring manual follow-up and clarification.
Criteria Gaps
Lender-specific credit criteria rarely travel upstream to the people originating deals.
Screening Fatigue
Teams spend too much time screening low-fit opportunities before underwriting.
Improve deal quality before underwriting
Structured Intake
Standardize deal entry at the source so submissions arrive cleaner, more complete, and easier to evaluate.
Early Qualification
Screen submissions against lender-specific criteria before they reach underwriting.
Lender-Aligned Screening
Apply qualification logic early so low-fit deals are identified before analysts spend time reviewing them.
Fewer bad submissions.
Faster triage.
Better lender focus.
CreditOS helps lending teams spend less time screening low-fit submissions and more time on viable opportunities.
Reduce manual screening
Cut down on early-stage review of submissions that were never a fit.
Improve deal quality
Increase submission quality before analysts and underwriters get involved.
Broker enablement
Help brokers submit better-fit opportunities with clearer expectations upstream.
Cleaner handoffs
Create a more consistent handoff into underwriting and downstream systems.
Built for SBA lending teams
SBA Lenders
Reduce manual screening and improve intake quality before underwriting.
BDO Teams
Receive cleaner, better-fit submissions earlier in the process.
Credit & Underwriting Leaders
Improve triage discipline and reduce time spent on low-fit opportunities.
Broker-Led Origination Teams
Standardize submissions and reduce early back-and-forth.
Why now
Economic Tightening
Small-loan economics are tighter, making operational efficiency more important than ever.
Leaner Operations
Lender teams are lean, and manual screening creates real capacity constraints.
Broker Noise
Broker-driven volume creates noise that lender teams still have to filter manually.
Policy Discipline
As credit conditions tighten, disciplined qualification matters earlier in the process.
Works upstream of your underwriting systems
CreditOS is designed to improve what happens before a deal reaches underwriting — structured intake, early qualification, and cleaner handoff into your existing workflows.
Improve what enters the funnel
Reduce manual screening before underwriting
Support cleaner downstream handoffs
Working with a small number of SBA lenders
We're introducing CreditOS with a select group of SBA lenders, BDOs, and credit teams focused on improving deal quality before underwriting. If your team is spending too much time screening low-fit submissions, we'd love to explore whether there's a fit for a pilot.