THE FUTURE OF LENDING
PEOPLE-CENTERED BANKING TECHNOLOGY
The Future of Lending.
The Power of Connection
Powered by the Data Pond™, UN/FY introduces a dynamic architecture that continuously gathers, verifies, and enriches data from your core systems, regulatory databases, and trusted external sources. With Microsoft Azure Cosmos DB and Microsoft Fabric at its core, this architecture keeps intelligence fresh and data in motion — driving faster decisions, smarter risk detection, and more personal banking experiences without friction or re-entry.
Built on NextGen.
Elevated by UN/FY.
Where technology meets relationship. And where interaction moves faster — and feels more human. UN/FY doesn’t replace the banker. It empowers them.
UN/FY empowers the banker.
More than a lending system. It’s the system of intelligence for relational banking in an AI world.
Digital Small Business Application
Brings every customer interaction into a single, unified view — enabling bankers to step in, assist, or complete applications anytime, whether online or in-branch. The result: a seamless experience that reduces friction, elevates service, and accelerates decisions.
Spreading and Analysis
Extracts and interprets key financial data instantly, turning hours of manual review into seconds — distilling uploaded documents into actionable insights that power smarter, faster underwriting and more confident decisions.
AI that works for you
AI-driven automation cuts origination costs by up to 60% and compresses underwriting timelines from weeks to hours. It continuously monitors performance, flags risk, and uncovers growth opportunities — helping institutions protect portfolios, increase profitability, and drive deposit growth.
RELATIONAL BANKING IN AN AI WORLD
One Platform. More Potential.
Pre-Loaded Applications: UN/FY automatically pulls verified customer and business data from your core, ensuring accuracy while saving time.
Instant Pre-Approval: AI-driven cash flow and collateral analysis trigger real-time approvals — no waiting, no uncertainty.
Document & Data Automation: UN/FY auto-fetches tax returns, payroll records, and bank statements — integrating seamlessly with ADP, QuickBooks, and TurboTax.
A GUIDED, TRANSPARENT EXPERIENCE
Foster deeper relationships with configurable workflows that adapt to every banker, every borrower.
UN/FY transforms the lending journey into a guided, transparent experience — one that keeps bankers and borrowers aligned every step of the way. Each stage, from business development through closing, is connected in real time and intelligently configured to adapt to your institution’s unique workflows, policies, and customer needs.
The result? A process that feels simpler, smarter, and more collaborative — building confidence on both sides of the relationship.
Janet Garufis, Chairman & CEO, Montecito Bank & Trust
“What Baker Hill has built with UN/FY is truly transformational. It gives our bankers back the time and confidence to do what matters most — connecting with clients in meaningful ways. When technology helps us listen better, anticipate needs, and respond instantly, that’s where relationships deepen. UN/FY lets us serve our business clients with the speed of fintech and the heart of community banking — and that changes everything.”
Janet Garufis, Chairman & CEO, Montecito Bank & Trust
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Our integration team is ready to work with you to meet your unique integration needs.
Frequently Asked Questions
The top questions about the impact of an LOS on commercial lending
Is Baker Hill announcing a new solution that I have to buy with this release?
No, Baker Hill is utilizing design driven development practices on all of our solutions. As we continue to roll out new functionality and modules, there may be additional investment, but this is not an announcement of a new product, but rather how we envision and create our products.
When will I be able to see these changes with the Baker Hill solutions?
In our upcoming release, institutions will have the flexibility to enable or disable the new design at their discretion. There is no requirement to adopt the new look and feel at this time.
Does this impact my contract or renewal with Baker Hill?
No, this has no impact on your current contract or renewal terms with Baker Hill.
Does this impact any configuration changes that I have made in Baker Hill solutions?
No, your current configurations will not change.
Do I have to roll this out during the Q4 because that is when it is being released?
No, you will not have to turn on access to the new design in the Q4 of 2025. The elements of the new design will be available, however your institution determines when to take advantage of those changes. For example, you’ll want to enable the updated experience to leverage additional features like our Financial Analysis Cash flow operation that leverages the design to indicate whether key financial ratios are within your credit policy
Will this require training?
The updated design is intuitive and does not require additional training. Institutions may, however, choose to conduct change management sessions when rolling out the new UI. A comparison document is available to support this transition. Internal Note: We will post a copy of this on Showpad for distribution.
Does it impact the Banker Application and Online Application functionality?
No, updates do not impact Banker or Online Application at this time. We will continue to improve the UI/UX iteratively throughout 2026.
Ready to Make
Lending Easier?
We’re here to support your journey. Let’s make it even better together.
