Canopy vs Enterprise!

Canopy is a cloud loan management system for commercial lenders and organizations embedding lending or credit products. It supports secured, revolving, installment and hybrid products across launch, servicing and scaling, while focusing on post-origination work rather than applications or decisioning. Lenders can configure policies, interest rates, payment plans, billing cycles and fees for each customer. CanopyOS manages loan accounts, activity, product configurations, workflows and team access. Canopy Connect automates loan tasks; DataDirect produces reports; LoanLab simulates loan lifecycles; Preview assesses account changes; and SafeGuard supports calculation tests. The platform can automate borrower reminders, promotions and fee waivers. Its immutable ledger tracks changes, performs real-time calculations and supports retroactive events. APIs are described as low-code, with integrations including Amazon S3, BigQuery, Checkout.com, Dwolla, Galileo, QuickBooks, Salesforce, Stripe, Twilio and Zendesk. Pricing is paid and available on request.

Enterprise! is a commercial loan servicing platform for commercial real estate portfolios. It automates asset management, loan accounting and investor reporting for multifamily, CMBS, bridge loan and REO properties. Its operational tools include billing and payment processing, escrow and reserve management, construction loan tracking, draw approvals and REO management. It also handles covenant, insurance and tax administration, collateral surveillance, automated fee and remittance calculations, and book-to-bank reconciliation. Teams can configure workflows and dashboards, exchange data, and use accounting and cash movement capabilities. PNC describes a browser-based interface and borrower and investor portals with paperless options and 24/7 access. Treasury workstation integration supports real-time balance updates, general ledger and money movement. The platform includes regulatory reporting and audit tools. It runs in the cloud and receives regular updates; PNC says it helps protect customer data but does not name specific controls or certifications. PNC identifies life insurance companies, financial institutions, CMBS servicers and multifamily lenders as users. Pricing is on request; prospective customers can request more information or schedule a demo.