Early access · waitlist open

The AI assistant for people who close commercial loans.

Our custom AI agents handle the manual time-consuming tasks in the commercial finance process, helping you close more loans, faster, and spend more time generating new business.

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9:41
Hybrid
iMessage
Today 2:38 PM
Priya wants the lock letter on Tampa by 3.
Drafted at 7.10, 45-day lock. It’s in your Gmail drafts. Send it?
Send it. Remind me Friday to check the appraisal.
Sent 2:41 PM. Reminder set: Friday 9:00, Tampa appraisal status.
Who else would quote Tampa?
Delivered
Top 3 from the lender database:
Gulf Coast BankActive on west-coast storage, 65–70% LTV.
Suncoast Life Insurance Co.10-year fixed, sub-7 under 60% LTV.
Bayline Credit UnionBest rate on 25-year am, slower close.

Text it. Call it. It’s already in your inbox.

Hybrid lives where you already work. Text it from the parking lot, call it between meetings, or forward an email. It drafts the reply, sets the reminder, and keeps the file current.

  • Text itA number in your contacts. Ask for status, a DSCR, or a draft, and get it back in seconds.
  • Call itTalk through a deal on the drive back. It takes the notes, updates the file, and queues the follow-ups.
  • Email itForward a package or cc it on a thread. It drafts replies in your voice and sends reminders when you say go.
On a call · 4:12“Move Nashville to term sheet, 9.75 IO, and get me the sponsor’s track record by Monday.”

An assistant that already knows how a commercial file moves.

Ridgeline Bridge CapitalNationwide bridge, $2–15M. Three Nashville lease-ups this year.
Cumberland Debt FundRegional fund, sizes on pro forma with a holdback.
Harbor Point LendingFast-close bridge, 9.5–10.5% IO.

Lender matching

Ask who would fund a deal. Hybrid matches the file against a database of active commercial lenders by program, asset type, geography, and check size, and gives you the top three with a reason for each. Text or email them from the same thread to gauge interest before you send a package.

OM.pdf
T-12.xlsx
Rent roll

Intake and sizing

Forward the OM, T-12, and rent roll. Get back a sizing summary with LTV, DSCR, and the structure that fits, plus the questions the package didn't answer.

SBA 504Fits
SBA 7(a)Size cap
Conv.DSCR 1.25
BridgePricey

Program fit

Compares the deal against 7(a), 504, conventional, bridge, and DSCR guidelines and tells you which one closes, with the eligibility issue named up front.

To: Dan R. · Re: Marietta flexDan, two items still open on the Marietta file: the 2025 business tax return and the signed occupancy schedule. Can you get those over by Thursday?Draft · awaiting your OK

Doc chasing

Tracks what's outstanding on every file and drafts the follow-up to the borrower or broker. It never sends without you unless you tell it to.

Credit memo · draft 1Sources & uses, collateral, global cash flow, guarantor strength, risk mitigants.

Credit memo draft

Turns the file into a first-draft memo in your bank's format. You edit the judgment calls. It handles the retyping.

GmailCalHLOSCRM

Email assistant

Reads the thread, drafts the reply, and sends the reminder to the borrower or broker when you say go. Lives in Gmail and Outlook, next to your calendar, LOS, and CRM.

Aug 12OM received, sized for 504
Aug 19Term sheet out, 6.9% / 25 yr
Aug 27Occupancy schedule received, 53%
Sep 9Memo draft ready for review

Pipeline memory

Remembers every deal, every rate quoted, every promise made to a broker. Ask "where are we on Tampa" and get the real answer.

LineBrokerNormalized
Gross rent1,284,0001,284,000
Vacancy—(64,200)
Mgmt fee—(48,800)
Reserves—(22,500)
NOI1,012,000912,000

Rent roll and T-12 spreading

Turns whatever spreadsheet the broker sent into a normalized spread with vacancy, management, and reserves applied, and the assumptions it changed called out.

Three steps. Built for bank and non-bank originators, commercial loan officers, and commercial mortgage brokers.

01

Forward the deal

Email the package to your Hybrid address or drop it in the app. OMs, T-12s, rent rolls, tax returns, PFS. Any format a broker sends.

02

Hybrid works the file

Sizes it, checks program eligibility, builds the doc checklist, drafts the follow-ups, and starts the memo. Every draft waits for your approval.

03

You close

You spend the week on the calls that move the deal. Hybrid keeps the file, the broker, and the calendar in sync until funding.

Every deal, one thread.

Hybrid · Tuesday, 8:14 AM

Pipeline

4 active · $19.6M
Assistant · Marietta flex industrial

Integrations and partners built for commercial.

What comes off your plate on every file.

TaskBy handWith HybridWhat you still do
Sizing a new OM45 min4 minSanity-check the NOI
Program eligibility check1–2 hrsInstantCall the borrower on the flag
Rent roll and T-12 spreading1.5 hrs5 minCheck the assumptions
Global cash flow and guarantor analysis1 hr5 minJudge the guarantor
Finding the right lender2–3 hrs of calls2 minPick from the top 3
Gauging lender interest2 days of email tagSame dayTake the call that comes back
Doc checklist and follow-ups3 hrs / week10 minApprove the drafts
Term sheet and LOI drafting1 hr10 minSet the pricing
First-draft credit memo4 hrs20 minWrite the risk section
Closing checklist tracking2 hrs / week10 minSign what needs signing
Status updates to brokers and borrowers1 hr / week0Nothing
CRM and LOS data entry30 min / file0Nothing

The questions lenders ask first.

Does it send emails or make commitments on my behalf?

No. Everything Hybrid writes lands as a draft in your inbox or in the app. You can turn on auto-send for narrow things like doc reminders, per file, if you want to.

Which programs does it understand?

SBA 7(a) and 504 in depth, including the SOP eligibility rules that trip up occupancy, use of proceeds, and affiliation. Conventional bank, bridge, DSCR, agency multifamily, and USDA B&I at the level you'd expect from a sharp analyst. You can load your own bank's credit policy so it sizes to your box.

Who is it built for?

Commercial loan officers at banks and credit unions, non-bank originators, and commercial mortgage brokers. If you spend your day getting a commercial loan from OM to funding, it's for you.

How does lender matching work?

Ask it who would fund a deal. Hybrid matches the file against a database of active commercial lenders and capital sources, covering every program and asset type, by what they actually close: program, property type, geography, and check size. You get the top three with a reason for each and a direct contact. Text or email them from the same thread to gauge interest, and replies land back in the file.

How do I reach it?

Text it, call it, email it, or open the app. Same assistant, same file, whichever is closest to hand. Anything it writes on your behalf waits for your go unless you’ve told it otherwise.

Does it plug into my LOS and CRM?

Gmail, Outlook, and Google or Microsoft calendars on day one. Commercial LOS, CRM, and credit connections such as nCino, Abrigo, Baker Hill, Salesforce, and HubSpot roll out to waitlist members first, starting with the systems most of the list is on. Tell us yours when you sign up.

What happens to my borrower data?

It stays yours. Files are encrypted, kept in your workspace, and never used to train models. Delete a deal and it's gone from Hybrid.

What does it cost?

Per-seat pricing, set when early access opens. Waitlist members get the founding rate and keep it.

Early access opens in batches.

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