NEW REPORT
2025 Gartner® Market Guide for Commercial Loan Origination Solutions
Commercial lending is changing. Is your origination stack ready?
Download your complimentary licensed copy of the 2025 Gartner® Market Guide for Commercial Loan Origination Solutions to explore how the CLOS market is evolving across composable architecture, AI, ecosystem connectivity, loan pricing, and process transformation.
Commercial lending is under pressure to move faster
But many banks are still working with fragmented origination stacks, core-embedded product logic, spreadsheet-driven pricing, and manual, document-heavy workflows.
The 2025 Gartner Market Guide for Commercial Loan Origination Solutions offers a useful view of where the market is heading and what bank CIOs should consider when evaluating modern CLOS vendors.
What you’ll learn from the report
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How commercial loan origination is evolving. Including the shift toward more sophisticated, modular, and composable solutions.
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Where AI is being applied in lending workflows. From intelligent document processing and memo generation to bounded agentic support for document-heavy work.
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Why ecosystem connectivity matters. Including integrations with risk data, KYC and KYB, e-signature, collateral valuation, legal document preparation, and borrower systems.
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How to evaluate vendor claims more critically. Especially around low-code, no-code, AI, configurability, and what may still be billed as customization.
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Why loan pricing should be part of the origination conversation. Modern CLOS evaluation increasingly needs to account for pricing, risk, workflow, integrations, and governance together.
FintechOS is recognized in the Gartner Market Guide
FintechOS is recognized in the 2025 Gartner Market Guide for Commercial Loan Origination Solutions. We believe this reflects our approach to helping banks modernize commercial lending without forcing a full core replacement.
With FintechOS Unified Product Pricing and Origination, banks can bring product definition, pricing, origination workflows, decisioning, documents, and integrations into one governed layer above existing core systems.
This supports the key priorities shaping modern CLOS evaluation:
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Modular modernization
Componentized capabilities across product, pricing, origination, and integrations, so banks can start with one workflow or business line, then scale across products and segments.
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Loan pricing as governed product logic
Pricing rules, rates, fees, eligibility, and terms managed alongside risk and product rules, with versioning and auditability built into the process.
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Configuration-first change
No-code and AI-assisted configuration for workflows, rules, documents, and pricing, helping banks reduce dependency on bespoke engineering workstreams.
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Governed AI with humans in control
AI copilot assistance and bounded agentic execution for tasks such as preparation, extraction, validation, drafting, and practitioner support, with traceability, controls, and human oversight.
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Reusable ecosystem connectivity
BIAN-aligned, API-first integration patterns designed to connect with cores, CRMs, data providers, and specialist services as reusable assets, not one-off projects.
Gartner, Market Guide for Commercial Loan Origination Solutions, Derek Frost, 1 December 2025
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