Founded by the people who used to reject your packages.
LoanPacket was founded in 2025 in Ahmedabad by a former SBA 7(a) credit underwriter and a document intelligence engineer. Between them they had reviewed more than 2,000 broker packages and built the extraction systems banks use to read them. The structural problem was obvious from both sides: commercial loan packaging is a $50B market still run on re-typed spreadsheets, and the cost lands on commission-only brokers and under-staffed community bank credit teams.
The thesis is narrow on purpose. Extract exactly what the return says, calculate exactly what SOP 50 10 7.1 requires, document every adjustment, and let the broker and the lender make every judgment call.
Operating principles
Extract, never invent
Every figure in a LoanPacket output traces to a form, schedule and line. If we cannot read it, we route it to review. We never fill gaps with estimates.
The SOP is the spec
SBA SOP 50 10 7.1 and institutional credit policy define our calculations. Rule changes ship within ten business days with a public changelog.
Human review stays in command
Brokers decide which add-backs to include and how to tell the story. The platform computes and documents; it does not decide credit.
Borrower data is not training data
Tax returns, statements and credit files are never used to train models, ours or anyone else's. This is a contractual guarantee, not a setting.
Auditability over cleverness
Every edit is logged with who, when and the prior value. A lender can reconstruct any number in the memo from the evidence attached.
Speed is a feature of trust
Fast, consistent packages make lenders trust the source. We measure ourselves on first-submission approvals, not on pages generated.
Leadership
Former SBA 7(a) credit underwriter and head of commercial credit at a $4B regional bank. IIM Ahmedabad MBA, BITS Pilani engineering. Reviewed more than 2,000 broker packages before deciding to fix the input.
Built document intelligence systems at Infosys Finacle and an Ahmedabad fintech lender. IIT Bombay computer science. Leads extraction, calculation and platform engineering.
Two decades in SBA lending including PLP credit administration and CDC 504 origination. Owns the SOP rule library, the add-back catalog and underwriter relations.
Previously engineering lead for payments infrastructure at a Tata Group fintech. NIT Trichy. Responsible for reliability, security engineering and SOC 2 controls.
Designed underwriting workflows for a commercial LOS used by 300 community banks. IIM Bangalore. Runs the broker research program and the sandbox.
Former commercial loan broker who closed $60M in SBA debt before joining to run onboarding and lender template programs.
Advisory board
Milestones
- Jan 2025LoanPacket founded in Ahmedabad
Ananya Krishnan and Rohan Deshpande launch LoanPacket under KNMM Private Limited after a year of broker interviews.
- Apr 2025Tax return extractor reaches 99% field accuracy
Validated on a set of 1,200 scanned commercial returns across 1120-S, 1065, 1120 and Schedule C.
- Jul 2025SOP 50 10 7.1 rule library released
Global cash flow, affiliation and equity injection rules encoded and reviewed by active SBA underwriters.
- Oct 2025First 100 brokerages onboarded
Pay-per-deal launches; first customer closes a $2.4M 7(a) acquisition packaged in LoanPacket.
- Jan 2026SOC 2 Type II report issued
Twelve-month observation period completed; ISO 27001 certification follows in March.
- Apr 2026SBA forms generator and lender share links
Forms 1919, 413, 1920, 159 and 4506-C autofill; tracked lender links with open analytics.
- Aug 2026$1.2B in annual debt packaged through the platform
Customers include brokerages, packaging boutiques, CDCs and community banks in 38 states.
Corporate details
- Legal entity
- KNMM PRIVATE LIMITED · CIN U17299GJ2021PTC127262 · LoanPacket is a product of KNMM PRIVATE LIMITED
- Registered office
- Shop No 274, New Cloth Market, Opp. Raipur Gate, Ahmedabad, Gujarat, India - 380002
- Phone
- +91 (079) 4710-2214 · 1800-309-7714 (toll-free)
- Security
- SOC 2 Type II · ISO 27001 · Trust center
Package your next loan in 15 minutes instead of 3 weeks.
Upload a set of sample tax returns and generate a complete, lender-ready credit memo on your first day.