natum.ai

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Pony

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natum.ai

natum.ai

natum.ai

Features

Pony

About

Book a Demo

For banks & credit unions · $100M–$10B in assets

For banks & credit unions · $100M–$10B in assets

Turn Deposits

Into Loans.

Turn Deposits

Into Loans.

Turn Deposits

Into Loans.

Natum shows your team which deposit customers are ready to borrow — and exactly what to offer them. Then monitors your entire portfolio for risk, every day.

Natum shows your team which deposit customers are ready to borrow — and exactly what to offer them. Then monitors your entire portfolio for risk, every day.

Natum shows your team which deposit customers are ready to borrow — and exactly what to offer them. Then monitors your entire portfolio for risk, every day.

Book a Demo

Explainable, auditable lending intelligence from your own deposit data.

Explainable, auditable lending intelligence from your own deposit data.

Built by leaders from

Built by leaders from

  • // Recommend product //

  • // Pre-qualify customer //

  • // Early warning alerts //

  • // Renewal tracking //

  • // Compare trends //

  • // Summarize deal //

  • // Validate income //

  • // Escalate issue //

  • // Portfolio health //

  • // Adjust terms //

  • // View history //

  • // Fund deal //

From deposit data to funded loans. One platform.

From deposit data to funded loans. One platform.

From deposit data to funded loans. One platform.

From identifying who to lend to, through underwriting, monitoring, and pipeline management — Natum covers the full lifecycle without replacing your core or LOS.

From identifying who to lend to, through underwriting, monitoring, and pipeline management — Natum covers the full lifecycle without replacing your core or LOS.

From identifying who to lend to, through underwriting, monitoring, and pipeline management — Natum covers the full lifecycle without replacing your core or LOS.

Your deposit customers are your best lending prospects.

Natum's proprietary scoring models scan your commercial deposit base — balances, transaction velocity, industry patterns — and identifies which customers are ready to borrow. Each prospect gets a recommended product, estimated revenue, and a Lending Fit score that your RM can act on.

Gaps identified

Fit scored

Revenue matched

RM outreach

From application to decision — hours, not weeks.

Natum's proprietary underwriting engine works with what you already have — core exports, credit reports, financial statements — and enriches it with borrower-submitted accounting data when available. Generates a structured credit package with Lending Fit scores and plain-language reason codes that your credit committee can read and your examiner can review.

Plain language

Exam-ready

Audit-logged

Auto-adverse

Know what's happening in your portfolio — before your examiner does.

Natum's proprietary risk engine continuously scores every active borrower — flagging covenant breaches, cash flow shifts, risk rating changes, and renewal timelines with recommended actions. Not quarterly reviews. Every day.

Daily monitoring

Breach alerts

Risk tracking

Renewal lookahead

Every deal. Every stage. Nothing falls through.

Track active deals from application through funding with real-time status, SLA tracking, and intelligent alerts when something needs attention. Your lending team's single source of truth.

Auto-escalation

One-click packet

Counter-modeling

Stall alerts

Discovery

Underwriting

Monitoring

Pipeline

Your deposit customers are your best lending prospects.

Natum's proprietary scoring models scan your commercial deposit base — balances, transaction velocity, industry patterns — and identifies which customers are ready to borrow. Each prospect gets a recommended product, estimated revenue, and a Lending Fit score that your RM can act on.

Gaps identified

Fit scored

Revenue matched

RM outreach

Discovery

Underwriting

Monitoring

Pipeline

Your deposit customers are your best lending prospects.

Natum's proprietary scoring models scan your commercial deposit base — balances, transaction velocity, industry patterns — and identifies which customers are ready to borrow. Each prospect gets a recommended product, estimated revenue, and a Lending Fit score that your RM can act on.

Gaps identified

Fit scored

Revenue matched

RM outreach

From application to decision — hours, not weeks.

Natum's proprietary underwriting engine works with what you already have — core exports, credit reports, financial statements — and enriches it with borrower-submitted accounting data when available. Generates a structured credit package with Lending Fit scores and plain-language reason codes that your credit committee can read and your examiner can review.

Plain language

Exam-ready

Audit-logged

Auto-adverse

Know what's happening in your portfolio — before your examiner does.

Natum's proprietary risk engine continuously scores every active borrower — flagging covenant breaches, cash flow shifts, risk rating changes, and renewal timelines with recommended actions. Not quarterly reviews. Every day.

Daily monitoring

Breach alerts

Risk tracking

Renewal lookahead

Every deal. Every stage. Nothing falls through.

Track active deals from application through funding with real-time status, SLA tracking, and intelligent alerts when something needs attention. Your lending team's single source of truth.

Auto-escalation

One-click packet

Counter-modeling

Stall alerts

Discovery

Underwriting

Monitoring

Pipeline

Your deposit customers are your best lending prospects.

Natum's proprietary scoring models scan your commercial deposit base — balances, transaction velocity, industry patterns — and identifies which customers are ready to borrow. Each prospect gets a recommended product, estimated revenue, and a Lending Fit score that your RM can act on.

Gaps identified

Fit scored

Revenue matched

RM outreach

From application to decision — hours, not weeks.

Natum's proprietary underwriting engine works with what you already have — core exports, credit reports, financial statements — and enriches it with borrower-submitted accounting data when available. Generates a structured credit package with Lending Fit scores and plain-language reason codes that your credit committee can read and your examiner can review.

Plain language

Exam-ready

Audit-logged

Auto-adverse

Know what's happening in your portfolio — before your examiner does.

Natum's proprietary risk engine continuously scores every active borrower — flagging covenant breaches, cash flow shifts, risk rating changes, and renewal timelines with recommended actions. Not quarterly reviews. Every day.

Daily monitoring

Breach alerts

Risk tracking

Renewal lookahead

Every deal. Every stage. Nothing falls through.

Track active deals from application through funding with real-time status, SLA tracking, and intelligent alerts when something needs attention. Your lending team's single source of truth.

Auto-escalation

One-click packet

Counter-modeling

Stall alerts

Discovery

Underwriting

Monitoring

Pipeline

Your deposit customers are your best lending prospects.

Natum's proprietary scoring models scan your commercial deposit base — balances, transaction velocity, industry patterns — and identifies which customers are ready to borrow. Each prospect gets a recommended product, estimated revenue, and a Lending Fit score that your RM can act on.

Gaps identified

Fit scored

Revenue matched

RM outreach

From application to decision — hours, not weeks.

Natum's proprietary underwriting engine works with what you already have — core exports, credit reports, financial statements — and enriches it with borrower-submitted accounting data when available. Generates a structured credit package with Lending Fit scores and plain-language reason codes that your credit committee can read and your examiner can review.

Plain language

Exam-ready

Audit-logged

Auto-adverse

Know what's happening in your portfolio — before your examiner does.

Natum's proprietary risk engine continuously scores every active borrower — flagging covenant breaches, cash flow shifts, risk rating changes, and renewal timelines with recommended actions. Not quarterly reviews. Every day.

Daily monitoring

Breach alerts

Risk tracking

Renewal lookahead

Every deal. Every stage. Nothing falls through.

Track active deals from application through funding with real-time status, SLA tracking, and intelligent alerts when something needs attention. Your lending team's single source of truth.

Auto-escalation

One-click packet

Counter-modeling

Stall alerts

Discovery

Underwriting

Monitoring

Pipeline

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Meet Pony.

Your lending copilot.

Meet Pony.

Your lending copilot.

Meet Pony.

Your lending copilot.

Pony is embedded throughout the platform—monitoring your portfolio, surfacing the best opportunities, and answering questions in plain English.

Pony is embedded throughout the platform—monitoring your portfolio, surfacing the best opportunities, and answering questions in plain English.

Pony is embedded throughout the platform—monitoring your portfolio, surfacing the best opportunities, and answering questions in plain English.

Book a Demo

Your Best Borrowers Already

Bank With You.

Pony surfaces deposit-rich businesses and cash-flow momentum, then auto-builds prioritized call lists and draft offers — ready for banker review.

Risks Don't Wait for

Reporting Cycles.

Continuous monitoring across financials, covenants, and transactions — severity-ranked with evidence links. Tasks and follow-ups are auto-created and audit-logged, so reviews stay exam-ready.

Your Whole Portfolio.

One Question.

"Construction concentration?" "30+ days past due?" "Which renewals close this month?" Answered in seconds — then Pony can snap results into memos, checklists, and action queues, with a clear audit trail.

Advisory only. Every interaction is audit-logged for compliance. Powered by natum.ai

Advisory only. Every interaction is audit-logged for compliance. Powered by natum.ai

Trillions in deposits. Billions in missed loans. One platform.

Trillions in deposits. Billions in missed loans. One platform.

Trillions in deposits. Billions in missed loans. One platform.

Community banks and credit unions hold substantial commercial deposits. Yet many business deposit relationships never become lending relationships.

Community banks and credit unions hold substantial commercial deposits. Yet many business deposit relationships never become lending relationships.

Community banks and credit unions hold substantial commercial deposits. Yet many business deposit relationships never become lending relationships.

Book a Demo

Day 1

Day 1

New revenue surfaced from your existing deposit data.

New revenue surfaced from your existing deposit data.

10x

10x

More opportunities surfaced vs. manual review.

More opportunities surfaced vs. manual review.

<1H

<1H

From insight to committee-ready credit analysis.

From insight to committee-ready credit analysis.

100%

100%

Of insights evidence-linked and exam-ready.

Of insights evidence-linked and exam-ready.

Built by operators who’ve shipped bank-grade systems.

Built by operators who’ve shipped bank-grade systems.

Built by operators who’ve shipped bank-grade systems.

“In banking and payments, trust is engineered - Natum is built to earn it.”

“In banking and payments, trust is engineered - Natum is built to earn it.”

“In banking and payments, trust is engineered - Natum is built to earn it.”

MS University of Maryland

Udisha Singh Co-Founder & CTO

Udisha Singh

Co-Founder & CTO

“I’ve built SMB workflows and bank systems; Natum connects them.”

“I’ve built SMB workflows and bank systems; Natum connects them.”

“I’ve built SMB workflows and bank systems; Natum connects them.”

MBA Cornell University, MS Virginia Tech

MBA Cornell University, MS Virginia Tech

Varun R. Sekar Co-Founder & CEO

Varun R. Sekar

Co-Founder & CEO

Ready to find your next lending growth inside existing relationships?

Ready to find your next lending growth inside existing relationships?

Ready to find your next lending growth inside existing relationships?

Ready to find your next lending growth inside existing relationships?

Pony surfaces missed lending opportunities from deposit and transaction signals, with evidence links and an audit trail. 30 minutes. No slides. Just the product.

Book a Demo

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Lending intelligence for community banks and credit unions.

1769 Hillsdale Ave #24069 San Jose, CA 95124

1769 Hillsdale Ave #24069 San Jose, CA 95124

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