# Abrigo vs FIS Commercial Loan Origination: Side-by-Side Comparison

> Abrigo vs FIS Commercial Loan Origination comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/abrigo-vs-fis-commercial

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Commercial Lending Comparison

Two commercial lending platforms compared on features, pricing, risk tools, and fit for community banks and commercial lenders.

## Our Analysis

These platforms serve fundamentally different bank sizes. Abrigo targets $200M-$10B community banks with integrated origination and credit risk at $50K-$250K/year. FIS Commercial serves banks above $5B with relationship profitability tools at $150K-$500K+/year. Abrigo's Sageworks and Banker's Toolbox heritage delivers unmatched BSA/AML and CECL depth for community institutions; FIS excels at configurable enterprise workflows for complex portfolios. A $3B community bank chooses Abrigo; a $10B+ regional bank with 25+ commercial lending staff evaluates FIS.

## At a Glance

### Abrigo

Abrigo

Full LOS CommercialSmall BusinessSBACREConstructionAgricultureConsumer

- **HQ**: Austin, TX
- **Founded**: 2019
- **Deployment**: cloud
- **Size Fit**: Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Typically $50K–$250K/year depending on asset size and modules selected
- **Users**: 2,400+ financial institutions (across all products)
- **Market Share**: Used by 2,400+ financial institutions across lending and compliance products
- **G2 Rating**: 4.6/5 (74 reviews)

[Full Abrigo review](https://thelosdirectory.com/platforms/abrigo)

### FIS Commercial Loan Origination

FIS (Fidelity National Information Services)

Full LOS CommercialCREEquipment

- **HQ**: Jacksonville, FL
- **Founded**: 1968
- **Deployment**: cloud
- **Size Fit**: Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- **Pricing**: Enterprise pricing; estimated $150K–$500K+/year for mid-large banks
- **Users**: Not publicly disclosed; FIS serves thousands of banks globally
- **Market Share**: Significant among mid-to-large banks in the commercial lending segment

[Full FIS Commercial Loan Origination review](https://thelosdirectory.com/platforms/fis-commercial)

## Feature-by-Feature Comparison

| Feature | Abrigo | FIS Commercial Loan Origination | Edge |
| --- | --- | --- | --- |
| Loan Types | Commercial, Small Business, SBA, CRE, Construction, Agriculture, Consumer | Commercial, CRE, Equipment | Abrigo |
| Deployment | cloud | cloud | Tie |
| Pricing Model | Subscription (modular, LOS, credit risk, compliance sold separately or bundled) | Enterprise licensing; typically bundled with broader FIS banking relationship | Tie |
| Pricing Range | Typically $50K–$250K/year depending on asset size and modules selected | Enterprise pricing; estimated $150K–$500K+/year for mid-large banks | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS | FIS Horizon, FIS IBS, FIS Modern Banking Platform | Tie |
| Best For | Community banks under $10B that need integrated commercial loan origination with credit risk analytics and BSA/AML compliance | Mid-to-enterprise banks ($5B+) that need a highly configurable commercial LOS with digital borrower experience, risk analysis, and profitability optimization | Tie |
| Lender Segments | Banks, Credit Unions | Banks | Abrigo |
| Size Fit | Small (under $1B assets), Midsize ($1B-$10B assets) | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Tie |

## Key Differences

- Abrigo covers Small Business, SBA, Construction, Agriculture, Consumer lending while FIS Commercial Loan Origination covers Equipment lending.
- Abrigo targets Banks, Credit Unions, whereas FIS Commercial Loan Origination focuses on Banks.
- Abrigo fits Small (under $1B assets) and Midsize ($1B-$10B assets) institutions, while FIS Commercial Loan Origination targets Midsize ($1B-$10B assets) and Enterprise ($10B+ assets) institutions.
- FIS Commercial Loan Origination (founded 1968) has a longer track record, while Abrigo (founded 2019) brings a more modern architecture.

### Choose Abrigo if...

- Unmatched integration between origination and credit risk analytics
- Purpose-built for community bank commercial lending workflows
- Strong regulatory and compliance toolkit (CECL, CRE concentration, BSA)
- 2,400+ FI customer base provides deep community banking expertise

### Choose FIS Commercial Loan Origination if...

- Highly configurable for complex commercial lending requirements
- Digital borrower experience for commercial loan applications
- Risk analysis and profitability tools built into the platform
- Backed by FIS's global scale and financial stability (NYSE: FIS)

## Deep Dive

[Abrigo Full Profile](https://thelosdirectory.com/platforms/abrigo) [FIS Commercial Loan Origination Full Profile](https://thelosdirectory.com/platforms/fis-commercial)

## Frequently Asked Questions

At what asset size does FIS Commercial fit better?

Above $5B with substantial commercial portfolios and 25+ lending staff. Below that, Abrigo provides better value with community-bank-focused workflows, modular pricing, and integrated risk analytics.

Which has better credit risk analytics?

Abrigo uniquely integrates credit analysis, risk rating, and CECL reporting directly into its origination workflow. FIS Commercial provides relationship profitability optimization geared toward enterprise portfolio management at larger institutions.

Does FIS Commercial offer BSA/AML monitoring like Abrigo?

FIS includes standard compliance reporting but lacks Abrigo's dedicated BSA/AML monitoring capabilities inherited from the Banker's Toolbox product line. Community banks facing heightened regulatory scrutiny find Abrigo more comprehensive for compliance.

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### Related

[Abrigo Full Review](https://thelosdirectory.com/platforms/abrigo) [FIS Commercial Loan Origination Full Review](https://thelosdirectory.com/platforms/fis-commercial) [Abrigo Alternatives](https://thelosdirectory.com/alternatives/abrigo) [FIS Commercial Loan Origination Alternatives](https://thelosdirectory.com/alternatives/fis-commercial) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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