Sea.dev x RNHB: intelligent document processing
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From broker pack
to credit-ready file

Embedded AI underwriting operations for specialist property and business lenders. Intelligent document processing, cross-checks and underwriter-ready credit reports, inside your existing core.

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For Lenders & Fintechs →For Enterprise →
ExtractCross-checkAssessRecommend

Trusted by

RNHBLoanAPIFintech SandboxSME Capital
NavriskCarrington LabsTangibleProsper

Automate the first pass.

Three embedded capabilities that take a file from broker pack to credit-ready, inside your existing core.

Step 1Intelligent Document Processing

Every document in the pack, extracted and cross-checked

Statements, accounts, tax returns, leases and valuations, with every value cited to its source page.

Classify & extract

Any format or scan quality. Statements, accounts, tax returns, ID, leases, tenancy schedules and valuation reports, including multi-unit and multi-property schedules.

Cross-check

Rent on the valuation against the lease. Deposit against the statements. Names, addresses and dates across every document. Mismatches are flagged with evidence.

Verify & cite

Integrity signals catch edited or synthetic documents before they reach underwriting. Every extracted value links back to the page it came from.

Case 4821 · Broker pack
1 to review
Documents4 files
Bank_Statements_Jan-Jun.pdf
Bank statement · 6 monthsQUEUED
Valuation_Report_RICS.pdf
Valuation · 6-unit blockQUEUED
Tenancy_Schedule.xlsx
Tenancy scheduleQUEUED
Company_Accounts_FY25.pdf
AccountsQUEUED
Fields extracted0 / 38
Cross-checks
Rent: valuation vs tenancy schedule
$84,000 on both
Deposit: statements vs application
Matched
Address: valuation vs title
Unit 3 missing on valuation

Every value cited to its source page.

Explore document processing
Step 2AI Underwriting Assistant

Underwriter-ready credit reports, drafted before anyone opens the file

Account conduct, affordability, valuation and policy fit, assessed on every case and written up in your credit report template.

Assess

Bank statement assessment, affordability and serviceability, valuation and comparable review, and policy checks such as LTV and exposure, run on every case.

Recommend

A credit report in your format: summary, findings, exceptions and a recommendation with conditions. Ready for the underwriter, not instead of them.

Ask the assistant

Why was this flagged? What changes if the valuation comes in 5% lower? The assistant answers from the file, with citations, and builds trust toward straight-through processing for policy-clear cases.

Credit report · Case 4821
Draft for underwriter
Borrower & KYC
Complete
Bank statement assessment
No returned items · avg balance $42,300
Affordability
DSCR 1.42x · ICR 165%
Valuation & comparables
$1,200,000 · 3 comps within 6%
Policy checks
LTV 68% · 1 exception
Recommendation

Proceed to underwriter with 2 conditions. Evidence attached.

AI Assistant
Why the policy exception?
Aggregate exposure to this borrower passes $2,000,000 with the new facility (policy 4.3, p.12). A condition has been added to the report.
Cited from the credit policy and the file
Ask about this file...
See how lenders use it
Step 3Financial Spreading

Financial spreading, with the accounting nuance intact

Each line mapped to your taxonomy, with periods normalised and add-backs applied. Analysts keep every judgement call.

Ingest

Centralize PDFs, Excel models, management accounts and portal uploads into spreads that mirror your credit templates.

Map & normalise

Line items mapped to your chart of accounts, periods aligned, consolidations reconciled and add-backs applied, each with an audit trail. Analysts review checklists, not raw PDFs.

Deliver & monitor

Sync approved spreads to underwriting models, CRMs or spreadsheets. Automate covenant compliance: test ratios against thresholds on every monitoring pack and flag breaches early.

Spread · Borrower_Accounts_FY25.pdf
Ready for review
Extracting tables
Mapping to your taxonomy
Normalising periods and add-backs
Line itemFY24FY25
Revenue$12,450,000$14,200,000
EBITDA (reported)$2,105,000$2,884,000
Add-back: one-off legal—$180,000
Adjusted EBITDA$2,105,000$3,064,000
Covenant: DSCR 1.42x vs 1.25x minimum
PASS
Explore Financial Spreading

One embedded stack, from intake to monitoring

Document processing, cross-checks, spreading, assessment and credit reports—from broker pack through underwriting to portfolio monitoring and risk management.

AI Underwriting Agent

Standardized deep dive assessments aligned to your credit policy: bank statement conduct, affordability, valuation and comparables. Cross-document validation and anomaly flagging, each with evidence.

Analyst-in-Control Spreading

Increase analyst throughput with review-first extraction, reducing copy/paste and bias while keeping humans in control.

Risk Management

Real-time risk flags across deals, detecting patterns, exceptions, and emerging issues earlier with automated portfolio monitoring.

Inside your existing core

Embeddable API

Runs inside your LOS or banking core rather than as another workflow layer. Extraction, cross-checks and credit reports are available as APIs and embeddable components.

const extraction = await sea.extract(doc);
Read API docs

Customer stories

RNHBSpecialist real-estate lending · Netherlands

Live in eight weeks
inside origination

RNHB embedded Sea.dev in its origination workflow to read submitted documents, extract the key information and check it across sources. Every lending decision stays with an RNHB employee.

“This project shows how we approach AI at RNHB: start with a clear business challenge, create measurable value and build solutions that support our people and customers.”
Stephan de Jongh, Head of AI, RNHB
Read the case study
8 weeks

From kick-off to live in production, working as one team.

1st case

A complex multi-unit apartment, straight through with high accuracy.

SME CapitalGrowth finance for UK SMEs · London

95% faster
month-end spreading

Sea.dev runs inside SME Capital’s loan monitoring. Spreading for monthly covenant checks fell from 35 hours to 2 per analyst.

“Reducing our monthly spreading from 35 hours to just 2 hours has transformed our business. Our portfolio management is stronger than ever.”
Kate Kennedy, COO, SME Capital
Read the case study
95%

Faster month-end spreading for covenant checks.

99%

Extraction accuracy with human-in-the-loop QC.

3x

Monitoring capacity, with time moved to revenue work.

Trusted by innovators

"We reviewed multiple AI applications designed for financial data capture. AI cannot be a black box in our industry, and Sea.dev delivered data with a clear audit trail."

Khalil Hibri
Khalil Hibri
Founder & Managing Partner, Tangible

"This is a game-changer for financial data capture and analysis workflows. Immediate value, and way easier than any OCR tool we tried."

Brandi Jess
Brandi Jess
Data Product Manager, SME Capital

"Our customers are desperate for better financial insights, and Sea.dev stood out in a crowded market as the highest quality data-first AI provider."

Nick Perret
Nick Perret
Founder & CEO, Prosper

Choose your path

Lenders use Sea.dev directly. Banking cores and lending platforms embed it for their customers.

I'm a Lender

Reduce manual first-pass effort, absorb volume spikes without adding headcount, and build trust toward straight-through processing for policy-clear cases.

See how lenders use Sea.dev

I run a banking core or lending platform

Embed document processing, cross-checks and credit reports into your core, LOS or lending portal with full governance and audit trails.

Explore platform capabilities

Frequently asked questions

Show us how you underwrite today.

We'll walk through your current workflow and show where Sea.dev fits.

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