Governed answers your C-suite can sign.

Build your lending reports. Ask questions across them. See the numbers behind every answer.

The AI analyst for real estate private lenders and hard money lenders. Originations, loan performance, construction draws: Janaly builds the reports your team builds by hand today, refreshes them on your schedule, and delivers the workbook, the PDF and the insight into what changed.

Free for a limited time for our founding lenders. John reaches out personally to get your team set up.

The engraving is drawn from this report. Each ring is one month of the last year, printed with that month's late rate, and the deeper its wave, the more loans ran late. The outer band closes when the report is built, and the newest month is marked in red. Illustrative numbers.

Built for real estate private lenders.

The loans

Hard money loans secured by real estate: bridge, fix and flip, construction and DSCR.

The people

The C-suite who sign off on the portfolio, the head of credit watching risk, and the analyst who builds the reports by hand today.

The report you get.

A finished report, not a chat reply. When the build is done and you save it, your report gets its own panel in Janaly: the headline figures, the insight into what changed, every chart, and the checks behind the numbers. The Excel workbook comes with it.

A 22-second tour of an illustrative report panel.

Ask Janaly the way you'd ask your analyst.

Follow-up questions, tables, charts and exports, all from the same governed numbers. Every answer names the report and the month it came from.

Four example conversations. Pick one.

JanalyNew chat

Example conversations. Illustrative loans, borrowers and numbers.

One question across your reports.

Originations, loan performance and construction draws describe the same loans. Janaly matches each loan across them by its loan ID and answers in one go. Every step is one you could check yourself.

You asked JanalyConstruction loans we originated in October that are late now, and how much we have drawn on them

3 of the 14 construction loans originated in October 2025 are 30 or more days late now. $2.1M of their $5.6M commitment has been drawn.

3 of the 14 construction loans originated in October 2025 are 30 or more days late now. $2.1M of their $5.6M commitment has been drawn.

Illustrative numbers.

Every number shows its work.

Ask where any number came from. Janaly takes it apart for you, down to the loans behind it and the report it was read from.

You asked JanalyWhere does 3.1% come from?
The number
3.1%
of active loans are 30 or more days late
What it is a share of
40 of 1,284
late loans out of all active loans
The loans behind it
  • LN-20461, bridge, TX41 days
  • LN-20490, bridge, TX64 days
  • LN-21077, bridge, TX33 days
  • LN-20502, fix and flip, FL35 days
  • and 36 more
Where it was read from
Loan performance

August 2026, version 3

The same 3.1% is in the workbook and the PDF.

3.1% is 40 loans 30 or more days late out of 1,284 active loans, read from the Loan performance report for August 2026. The workbook and the PDF show the same number.

Illustrative loans and numbers.

Janaly runs your reports on your schedule.

Build a report once. Janaly refreshes it on the schedule you set, daily, weekly or monthly at the time you pick, and emails you the workbook, the PDF and its analysis of what changed. Every refresh keeps its own version, so past numbers never move.

Schedule
On the 1st at 8:00 AM
JanalySep 1, 8:02 AM
Your August loan performance report is ready

Loans 30+ days late rose to 3.1% of active loans, from 2.7% in July. Five of the six newly late loans are Texas bridge loans.

XLSXLoan performance, August 2026.xlsxPDFLoan performance, August 2026.pdf

Illustrative numbers and schedule.

Change any report in plain English.

No SQL, no rebuilding the spreadsheet. Say what you want added and Janaly changes the report, the workbook and the PDF together, then saves it as a new version.

You asked JanalyAdd a column for interest rate
Loan performanceAugust 2026
LoanTypeBalanceStatusInterest rate
Whole book$412.6M40 late11.2%
Saved as version 4. Version 3 keeps its numbers. Only the report's owner can change it. Anyone else on your team can ask questions that draw on it, but can't change it.

Showing 6 of 1,284 loans. The whole-book rate is weighted by balance. Illustrative numbers.

Read-only. Encrypted. Traceable.

Straight answers to the questions your IT and compliance people will ask before you connect anything.

Janaly only reads.

Every query is checked before it reaches your database, and anything that could change data (insert, update, delete, drop and the rest) is blocked. For a second lock, connect with a read-only database user. We recommend it.

Your logins are encrypted.

Database credentials are encrypted before they are saved (AES, with a tamper check), and the key is kept apart from the database.

Your reports are kept separate.

Each account's report history and files are kept apart from every other account's. Download links expire after an hour.

Your data doesn't train AI.

To answer a question, Janaly's AI sees only what it needs: your question, your table and column names, and the query results, which can include individual loans. None of it is used to train AI models. The providers we use are named in your customer agreement.

Every number traces back.

Each report keeps the query that produced it, and every version keeps its own numbers. Nothing is changed after the fact.

Who else is involved.

Sign-in runs on Clerk, report emails on Resend, hosting on Render and report files on Amazon Web Services, in the United States. The full list is in your customer agreement.

In development

An analyst that doesn't wait to be asked.

The Always-On Analyst: autonomous, and in development.

Janaly todayYou ask, Janaly answers.Janaly builds your reports, refreshes them on your schedule and answers every question you bring.

Every time your data changes, Janaly works your book the way your best analyst would, and asks the questions nobody had time to:

  • Which delinquency buckets are growing, and in which balance bands?
  • Are a handful of borrowers carrying most of the risk?
  • Which property types are starting to slip?
  • Is this year's book performing better or worse than last year's?

Janaly decides what to dig into, pulls the data it needs, even data no report covers, and brings you a briefing: what changed, why it changed, and what to watch next. Every number is traced to its source.

The Always-On Analyst is in development now. Our founding lenders will use it first.

Get early access
BriefingIllustrative, in development
Texas bridge loans are slipping.Five of the six loans that turned late this month are Texas bridge loans that missed their first payment.
Three borrowers carry 22% of the balance.Up from 17% a year ago.
This year's loans are holding up better.At six months old, 2026 loans are 1.9% late, against 2.6% for 2025 loans at the same age.
Every figure links to the query behind it.

Questions lenders ask.

Do I need to clean my data first?

No. Janaly reports your data as it is. Every build and refresh runs a data-quality check that flags gaps and odd values, with its own download. Janaly never changes your source data.

Which databases does Janaly connect to?

Postgres today. MySQL, SQL Server and Snowflake are next.

How are the numbers checked?
  • Every number comes from a query on your own data, and each report keeps the query that produced it.
  • Every build and refresh runs a data-quality check.
  • Each refresh is compared with the previous period.
  • Answers state the month they cover.
  • Every version keeps its own numbers.
Is my data safe?

Janaly only reads, logins are encrypted, and each account's reports are kept separate. Here's exactly how your data is handled.

Does Janaly replace my analyst?

Not yet. Today Janaly builds your reports and answers your questions, and your team reviews and decides. We're building the next step now: an analyst that does the analysis itself. Our founding lenders get it first.

When can I use the Always-On Analyst?

The Always-On Analyst is in development. Our founding lenders will use it first. Join the waitlist to be considered.

What does Janaly cost?

Janaly is free for a limited time for our founding lenders, a small group of real estate lenders we're onboarding now. Join the waitlist to be considered.

Built by someone who's done the job.

I've spent my career on the analyst's side of the desk. I started as a financial analyst at a lender with a $20B+ portfolio, building loss and risk models. I went on to run finance at a real estate private lender, rising from senior analyst to director, then became VP of Finance at a real estate asset manager with $1B+ across 14 funds, and VP of FP&A and business intelligence at a real estate debt fund.

In my previous roles:

Analyst to VPat real estate lenders and debt funds
$1B+in real estate assets reported across 14 funds
30 to 40 hrsof manual reporting cut every month

Every one of those companies had the same problem. The reports that run the business were put together by hand every period, and trusted a little less each time. Everywhere I went, I rebuilt that reporting and turned hours of work into minutes.

Today I'm an AI and finance architect for real estate private lenders. Janaly is the system I wish I'd had in every one of those seats. And when a lender needs more than software, when its finance, data or FP&A function has to be built or rebuilt from the ground up, I do that too. Either way, you're working with someone who has done the job.

Reports you can trust, run after run, until you can't imagine running without them.

JohnCMA, MBAFounder

Your next report, built from one sentence.

We're opening Janaly to a small group of real estate lenders first. Janaly isn't a sign-up-and-figure-it-out tool: John onboards every founding lender personally.

  1. Join the waitlistLeave your work email.
  2. John reaches outA short call about your portfolio and the reports your team builds by hand today.
  3. Your team is set upSign-in for your team, then connect your database: Postgres today, with a read-only user.
  4. Ask for your first reportOne sentence. Janaly builds it, then keeps it running on your schedule.

Free for a limited time for our founding lenders. John reaches out personally to get your team set up.

Connects to Postgres today. MySQL, SQL Server and Snowflake are next.