Baker Hill announced the launch of UN/FY™, its most ambitious loan origination system to date — combining digital small business lending, deposit account opening and AI-driven insights into an intelligent ecosystem that enables speed, enriches trust and increases profitability for clients.

Built on more than 40 years of Baker Hill innovation and powered by the Data Pond™, UN/FY introduces a dynamic, data-driven architecture that continuously gathers, verifies, and enriches data from core banking systems, regulatory sources and trusted external partners in real time. The result: instant decisions, proactive risk detection and personalized experiences that make business lending faster, smarter and more human.

With UN/FY, financial institutions cut underwriting time from weeks to minutes, reduce origination costs by up to 60 percent, and open new accounts instantly; creating faster growth, higher yield and deeper customer loyalty.

"UN/FY isn't just a platform launch — it's the evolution of Baker Hill's award-winning commercial and business LOS and the foundation for the next era of lending," said Andy Ivankovich, Chairman and CEO of Baker Hill. "With UN/FY, financial institutions can approve small business loans in seconds and open business deposit accounts instantly. It's a powerful leap forward in how financial institutions serve their clients — one that unites innovation, intelligence and relationships in a way no one else is doing. And with the Data Pond, we're turning data into momentum — empowering our lenders to act faster, think smarter, and build stronger connections."

Unlike traditional systems that move in slow, linear steps, UN/FY acts dynamically, prepopulating applications, verifying documents instantly and continuously evaluating risk. Its Mission Control dashboard gives bankers a full view of customer relationships and engagement, while AI-driven CRM tools surface real-time insights that enable more proactive service and faster decision-making.

UN/FY transforms the lending journey into a guided, transparent experience — one that keeps bankers and borrowers aligned every step of the way. Each stage, from business development through closing, is connected in real time and intelligently configured by AI to adapt to each institution's unique workflows and policies. The result is a process that feels simpler, smarter and more collaborative — strengthening client relationships and building confidence on both sides of the transaction.