FAQ
Origination
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Are you a full loan origination system (LOS)?
Yes — Sweet is positioned as a full LOS spanning origination, servicing, and capital markets across borrower, back-office, dealer, and capital-markets portals.
Can a loan officer fill it out or co-browse on the borrower's behalf, and pre-fill known data?
Yes. Loan officers can start and pre-fill applications, co-browse in real time, and pre-fill from prior data or their CRM once connected. Multiple entry points are supported.
Can borrowers apply directly on the lender's website, or is it invite-only by link?
Both. Sweet provides a public web form that flows straight into the portal, plus individualized invite links sent by text or email.
Can we hard-code our own eligibility, scorecards, and pricing rules, or connect our own decision engine?
Yes. Sweet offers no-code scorecards and pricing rules (e.g., rate adjustments by ROA or credit), real-time eligibility, simulations, and back-testing. You can also push data to an external decision engine instead.
How do you handle multiple entities and co-applicants (several businesses, guarantors, spouses, shared email, serial vs. parallel)?
Sweet was built for exactly this complexity. It excels at parallel (not serial) collaboration, per-entity tasks, visibility of co-applicants' status without seeing their data, and workarounds for spousal/duplicate-email cases (unique emails recommended for e-sign and compliance).
Do you replace our current spreading / credit analysis (Excel, Moody's, Optimus) and compute LTV / DSCR?
Sweet is strong for standard ag loans and configurable calculations but isn't a full Excel replacement for very large, complex deals. Custom LTV/DSCR logic and agentic reconciliation are built out during a pilot.
How do you handle underwriting-criteria versioning and compliance audit trails?
Underwriting criteria are versioned and back-testable, with full edit visibility, tracking history, and the version tied to each application.
See the platform on your own book of business.
A working demo with your loan programs, your documents, and your workflow — not a slide deck.