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UN/FY empowers the banker.
More than a lending system. It’s the system of intelligence for relational banking in an AI world.
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.
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-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.
“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.”