Built by lenders · Hosted in Canada

The tools the Canadian CRE industry actually runs on.

Custom tools built to fit your shop's requirements — from screening and underwriting deals to generating CIMs and matching them to lenders — plus ready-made products you can try today.

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app.debtstak.ai / screen
Built by lenders 11 years across a Big 6 bank, an Alt-A lender, and two private lenders — all Canadian CRE.
Hosted in Canada Lender data never leaves Canada — storage and AI both run in-country.
Shipping, not vapor Products in production today, not slideware. The screener is live; more on the roadmap.

What we do

Two ways to work with us
Custom tooling. We design and build the software your shop actually needs — screeners, underwriters, origination tools, portfolio management — fit to your workflow, not bolted onto it. Engagements start with a conversation; get a quote.
Ready-made products. When we've already solved a problem, you can use what we ship — the DebtStak screener is live today, with an underwriting tool and a portfolio manager on the roadmap. See Products.

Who it's for

Both sides of the deal
Lenders. Two steps from first look to credit decision: → Screen a deal against your credit box — so your team spends time only on the deals really worth pursuing. → Underwrite the deal — dig deeper and verify the numbers so your credit committee can make the call.
Brokers. Two ways to move a deal faster: → Match a deal to the right lenders — check it against your lender relationships and see who'll actually do it before you send. → Build a branded, lender-ready CIM — turn raw deal docs into a clean package in your firm's colours.

The lineup

Available & in development

Deal Screener

A pursue-or-pass screen on any OM in minutes, calibrated to your box.

LendersAvailable now→

Underwriting Tool

Verify the numbers on the deals that pass — a credit-committee-ready read.

LendersIn developmentComing Q4 2026

Portfolio Management

Annual reviews, covenant tracking and reporting across your book — automated.

LendersIn developmentComing Q1 2027

Lender Match

Screen a deal across your lender relationships to see who'll actually do it.

BrokersAvailable now

CIM Builder

Turn raw deal docs into a branded, lender-ready CIM in minutes.

BrokersAvailable now→

Every tool feeds one lending box

The memory layer

Screening, underwriting, CIMs — those are tools. What builds underneath them is a record of how your shop actually decides: every pursue, every pass, and the reason you gave for it.

Your credit box is what you wrote down. Your decisions are what you do. When the two drift apart, we tell you — and we calibrate to the way you really lend, not the memo.

A sharper model won't know that you've stretched on LTV three times for the right sponsor. Neither will a new hire. That judgment usually lives in one person's head and leaves when they do.

Nothing extra to fill in. It's a byproduct of the calls you already make, and patterns only surface once your own decisions corroborate them.

Where your box and your behaviour diverge First Mortgage Fund says 70% max LTV. Overrode an LTV breach to pursue on 3 deals, citing sponsor.
In your next screen On 3 prior deals you overrode an LTV breach to pursue, citing sponsor. This deal also breaches LTV — consider whether this sponsor clears the bar you've held there.
Which of your programs takes it This breaks First Mortgage Fund at 78% LTV. High-Yield Fund II clears it at 85% — and on 3 deals there you've gone above even that.
Lender-grade by default

Your borrowers' data never leaves Canada

Canadian lenders have real obligations around borrower PII and deal data. Everything we do is hosted and processed in Canada — your deals, your pipeline, your borrowers' data never leave the country. Not a feature we added; how the infrastructure was designed from day one.

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