How It Works

A guided deal desk, not a bank binder.

The borrower starts simple. Ascend still collects every underwriting detail as the deal advances, without the document chaos.

1
Deal summary
Tell us about the property, value, existing debt, and the request, and see your estimated equity and LTV instantly.
What you’ll need: Property address, estimated value, existing debt, requested amount.
2
Purpose & exit
Explain why now and how the loan gets repaid, in your own words. Your narrative is summarized automatically into an underwriter-ready purpose & exit summary, so you write it once.
What you’ll need: A short narrative and your intended exit (refinance, sale, or cash flow).
3
Secure documents
Upload to a dynamic checklist tailored to your borrower and property type, from any device, including your phone camera.
What you’ll need: ID, recent statements, mortgage/tax/insurance docs, entity docs if applicable.
4
Review
Your documents are classified and key figures extracted automatically, and gaps are flagged early; experienced underwriters make the credit decision.
What you’ll need: Nothing. We review and reach out with any follow-ups.
5
Preliminary terms
Qualified borrowers may receive preliminary terms after review, confirmed in a written term sheet.
What you’ll need: Your review and signature when terms are agreed.

What happens to your documents

Classified, read, and checked for gaps.

Automatically, so the figures you already sent don’t have to be typed again.

mortgage statements, bank statements, rent rolls, IDs, entity docs

balances, dates, values, entity names, rent details, insurance

missing pages, stale docs, mismatches, unclear exit, high LTV

Two reviewers, one decision

Documents are classified and key figures extracted automatically, so nothing is re-keyed and gaps surface early.

Experienced underwriters own the credit decision. AI is a recommendation layer. It is never an automated approval or denial.

Private, encrypted uploads, field-level encryption for sensitive identifiers, and a full audit trail.

Save and resume anytime. No obligation, and not a commitment to lend.