Ipava State Bank has selected Vine Financial’s commercial lending accelerator to transform its underwriting process through artificial intelligence, the Austin, Texas-based fintech announced Monday.

The Vine platform automates time-consuming tasks such as document reading, financial spreading and credit memo generation, reducing manual data entry errors and freeing up Ipava’s loan officers to spend more time engaging clients.

“Vine’s commercial lending accelerator improves our speed, accuracy and consistency of credit decisions,” James McLauchlan, executive vice president at Ipava State Bank, said in the earnings release. He added that the implementation has been “smooth and well-coordinated,” with Vine’s team holding weekly meetings to support Ipava’s lending staff during the transition.

Vine’s CEO and co-founder David Eads noted that the tool is built for easy deployment and rapid value realization. “Ipava is a great example to other banks of the speed and accuracy they can achieve when they have the right technology partner working alongside them,” Eads said in the release.

Founded in 1902, Ipava State Bank operates in central Illinois and mortgages, construction lending, commercial banking and wealth management.

Vine’s platform is designed to streamline the entire commercial loan lifecycle for banks and credit unions, combining AI-powered document analysis, financial modeling and credit memo generation into a unified system.

$227 million HSLC and the $224 million Triad Bank are some of Vine’s customers.

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