Untangle
Find where work gets stuck, and why.
Our mission
We untangle enterprise chaos into simple, AI‑native work.
We help every organisation move from tangled processes to simple, AI-native work, where AI handles the routine and people handle the judgement.
Smart Design. Delightful Experience.
How we work
Untangle. Distill. Amplify.
Three steps from enterprise chaos to simple, AI-native work.
Distill
Keep only what matters, then design it to run with AI.
Amplify
AI handles the routine. People handle the judgement.
Our first product
Congrua
AI-native post-closing review for lending
Every loan exists twice: once in your loan origination system and once in the loan package. Congrua checks every page of the package against the loan, so Loan Ops reviews exceptions, not pages.
Splits the package, names every document and checks every signature page.
Reconciles borrower, amount, rate, term, payment and maturity with your loan origination system.
Files each document with a checksum, version and index row examiners can follow.
What we do
Services that build on the products
We start with one process that hurts and ship something your team can use within weeks.
Loan document automation
Closing packages split, checked and reconciled against your loan system with Congrua, then filed with an audit trail.
AI-native process redesign
Map how work really runs today and rebuild it around what agents do well: reading, checking and preparing the next step for a person.
Data and integration engineering
Governed pipelines on the platform you already pay for. Every file checksummed, every decision logged.
For lending back offices
mentiSpecs Congrua
AI-native post-closing review
Every document matches the loan.
Congrua checks every closing package against the loan, so Loan Ops reviews exceptions, not pages.
Caught at closing, not by the examiner.
Bayside_Print_closing.pdf · 42 pages → 11 documents
Bayside Print & Sign LLC · SBL-EQUIP-2026-00313
Amount $42,600Term 48 moRate 6.89%Payment $1,017.94
| Document | Pages | Status |
|---|---|---|
| Promissory Note | p.1–3 | Signed · matched |
| Business Loan Agreement | p.4–10 | Signed · matched |
| Commercial Security Agreement | p.11–16 | Signed |
| Commercial Guaranty | p.29–31 | Unsigned · follow-up |
| + 7 more documents, all signed and ready | ||
loans/SBL-EQUIP-2026-00313/SHA-256 verified · 11 of 11
The problem
Every loan exists twice
Once in your loan origination system, and once in the loan package. The back office spends its days making sure the two agree.
When they quietly disagree, the problem is usually found late, by an examiner, an auditor or a loan buyer. Late means an unenforceable guaranty, collateral that was never properly secured, or a payment billed wrong for months.
In your loan system
- Borrower
- Bayside Print & Sign
- Amount
- $42,600.00
- Rate
- 6.89%
- Maturity
- 11/23/2030
- Guaranty
- Required
In the loan package
- Borrower
- Bayside Print & Sign
- Amount
- $42,600.00
- Rate
- 6.89%
- Maturity
- 11/23/2030
- Guaranty
- Unsigned, p.31
One disagreement in 42 pages. Congrua finds it first, not last.
What Congrua reads
Every part of every page
Congrua reads the text, tables, signatures and scanned images in the loan package, and checks each one against the loan.
Text
Reads the terms written into each document.
Rate 6.89% matches the loanTables
Reads payment schedules and fee tables.
Payments match the loanSignatures
Checks every signature and date line.
Guarantor line blank, p.31Scanned images
Reads phone photos and TIFF scans, and flags pages that are too dark, blurry or blank.
Page 18 scan readableTwo minutes
Meet Dana. She works in Loan Operations.
At 6:40 pm she is on package 3 of 6, flipping 42 pages to find one missing signature. Watch the same package with Congrua.
How Congrua works
Find. Match. Prove.
Every document, every signature
Congrua splits the package, names each document and checks every signature page. PDFs, phone photos and TIFF scans all work.
Reconciled with your loan system
It finds the loan number and compares borrower, amount, rate, term, payment and maturity with the loan record, whether it lives in nCino, Abrigo or your bank's own platform.
An audit trail examiners can follow
Each document is filed by loan and type, with a checksum, version history and an index row. The original package is always kept.
Who it is for
Built for Loan Ops, Credit and Audit
| Role | What keeps them up | What Congrua changes |
|---|---|---|
| Head of Loan Operations | Backlogs, overtime, staff turnover | The team reviews one exception instead of 42 pages |
| Chief Credit Officer | Unsigned guaranties, unperfected collateral | Missing signatures are caught before the file is closed |
| Compliance and Audit | Exam findings, a thin evidence trail | Every file is checksummed, versioned and indexed |
| COO and CIO | Cost, one more system to run | Runs inside your own data platform and works with nCino, Abrigo or your own loan system |
Pilot
30 days. 50 real packages. Measured side by side.
We run Congrua next to your current process and publish the results with you. No estimates, only what we measure together.
- Minutes per packagebefore and after
- Exceptions caughtbefore closing versus after
- First-pass clean ratepackages with no exceptions
- Hours returnedto the team each month
Next for Congrua
Same promise, more of the back office
Each step keeps the paper and the system in agreement.
Trailing documents
Follow-ups chased automatically until the missing signature or document arrives.
Boarding check
Confirm the core system was set up exactly as the note says, before the first bill goes out.
Exam-ready export
One request produces a loan's complete, verified file for examiners.
Contact
Tell us which process is tangled
A 30-minute call is usually enough to tell whether we can help and what a first pilot would look like.
hello@mentispecs.com