🏮 For CDFIs · Credit Unions · Loan Funds

We gather the data.
You do the underwriting.

Groundwork. organizes and presents borrower information so your loan officers can focus entirely on the credit decision — not the paperwork chase.

See the LO dashboard → How it works
✅NCUA Third-Party Ready
✅CDFI Qualifier Tracker
✅GLBA Compliant
✅Exam Package Generator
✅Adverse Action Notices
The value proposition

Better files.
Faster decisions.

By the time a borrower file reaches your loan officer, it's already organized, analyzed, and ready for a credit decision.

📋
Organized document portal
Borrowers upload directly to their personal portal. Your LO gets notified when the file is complete — no more chasing documents via email or fax.
📐
Auto-calculated DSCR
Borrowers enter their financials and Groundwork. calculates DSCR automatically. Your LO verifies against real documents — the math is already done.
📄
Streamlined credit presentation
Every borrower arrives with a pre-filled credit memo including strengths, weaknesses, C&I risk matrix, sources of repayment, and conditions. Your LO adds the personal financial data.
📊
CDFI qualification tracking
Real-time dashboard showing your loan-by-loan CDFI qualification status — by count and by dollars. Know your certification compliance before your examiner does.
⚖
Annual review automation
Automated email sequences for 60-day, 30-day, and final notice reminders. Document tracking, risk rating reassessment, and formal letter generation — all in one place.
📝
NCUA exam package
Generate your board report, CDFI Fund report, NCUA exam package, and CRA impact report with one click. Formatted and ready to submit.
The workflow

From invitation
to credit decision.

Four steps. Zero document chasing. Your LO focuses entirely on underwriting.

✉
LO invites borrower
One click from the LO dashboard sends a branded invitation with a unique portal link.
📄
Borrower uploads documents
Borrower gets a personal checklist and uploads directly. LO is notified when complete.
📊
Groundwork. organizes the file
DSCR calculated, fiscal summary populated, checklist verified, credit memo pre-filled.
✅
LO makes the decision
Clean file, organized data, risk matrix ready. Your LO underwrites — we never touch that.
NCUA exam readiness

Built for the
examination environment.

Every feature in Groundwork. was designed with NCUA Part 723 and CDFI certification requirements in mind.

📊
CDFI Qualifier Dashboard
Track loan-by-loan LMI status and census tract eligibility. See your qualification percentage by count and by dollars — the two metrics your examiner will check.
CDFI Certification
📋
Exception Tracking Log
Every policy exception is documented with justification, approver, and outcome. NCUA examiners specifically review exception logs — Groundwork. keeps yours compliant and current.
NCUA Part 723
🏙
Concentration Limits Dashboard
Real-time portfolio concentration by loan type vs. board-approved limits. Know your CRE, equipment, and startup exposure before approving the next loan.
NCUA Part 723
⚖
Annual Review Tracker
Full review and limited review tracking with automated reminders, document collection, and risk rating reassessment. Never miss a review deadline again.
Annual Reviews
⚖
Adverse Action Notices
ECOA-compliant adverse action notices generated automatically from the credit file. Maintains a complete audit trail for NCUA exam documentation.
ECOA · Reg B
📄
Exam Package Generator
Generate your complete NCUA exam package — portfolio summary, risk ratings, annual review status, exception log, and concentration report — formatted and ready.
Exam Ready
Our position

Not underwriting.
Infrastructure.

Groundwork. never makes a credit decision, never replaces your LO's judgment, and never touches your credit policy. We organize the file. You decide.

Your LOs trust their underwriting.
We just make the file easier to work with.
CDFIs and credit unions have spent years building credibility with NCUA examiners and borrowers. Groundwork. respects that. We don't replicate your underwriting process — we organize the information that feeds it. By the time a file reaches your LO, the documents are collected, the DSCR is calculated, and the credit memo is pre-filled. Your LO does what they're trained to do: make the decision.
What Groundwork. does
Collects and organizes borrower documents, calculates DSCR, pre-fills credit memos, tracks CDFI qualification, automates annual reviews, generates exam packages.
What Groundwork. never does
Makes credit decisions, replaces your underwriting policy, touches personal financial data, sets risk ratings, approves or declines loans, or override your LO's judgment.
See it yourself

Three complete borrower
profiles included.

The live demo includes the full LO dashboard, credit presentations, CDFI qualifier tracker, annual review module, and exception log.

Access the Interactive Demo

Enter the demo password to see the platform from the loan officer perspective — including David Okafor's complete credit presentation, Marcus Williams' CRE closing timeline, and Maria Santos' startup file.

LO Demo Password
lender2026
Then enter PIN: 1111
CU Dashboard Password
cu2026
CDFI tracker & impact reports
Enter Demo →
Ready to see it
with your borrowers?

Groundwork. is available for pilot partnerships with CDFIs, credit unions, and loan funds. Contact Jerome Emanuel to discuss your institution's needs.

Request a pilot →

groundworkbiz.com · jerome@groundworkbiz.com · Security & compliance documentation available at groundworkbiz.com/security