ProblemCommunity banks still push commercial loan closings through email, PDFs, and side spreadsheets even when the file still lacks title, UCC, insurance, appraisal, or environmental support. That creates 3-5 business day stalls, version drift, and late-stage funding surprises.
SolutionClosePacket is a closing-readiness board that sits after credit approval and before funding, shows exactly which close conditions are still open, assigns each blocker to borrower, title, counsel, or bank ops, and works beside the bank’s existing LOS instead of replacing it.
Market opportunityThe wedge sells into 3,909 US community banks that held $2.8T in assets in Q4 2025. Adjacent loan-origination software markets are already measured in the $7B-$9B range, but this approved-to-funded handoff is still run manually and can support a $24k-$72k annual workflow product.