Used by commercial lending teams at
Credit memo creation is still a manual process.
Your team isn’t slow. The process is broken and creating unnecessary risks for your organization.
Employee Burnout
Analysts spend valuable time spreading financials and copying between spreadsheets instead of analyzing.
Opportunity Cost
When lenders are stuck in the back office and a borrower waits days for approval, competitors win the deal.
Regulatory & Portfolio Exposure
If DSCR is calculated differently across analysts or data is entered incorrectly, your credit policy breaks down — increasing risk.
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FINANCIAL SPREADING
Multi-year financials in a structured, standardized format.
Automatically extract balance sheet, P&L, and cash flow data from uploaded tax returns and financial statements, eliminating hours of manual data entry and risk of transcription errors.
RISK ANALYSIS
Ratios, risk ratings, and recommendations — calculated instantly.
Calculate key ratios. Generate a risk rating and lending recommendation based on your institution’s credit policy. Your criteria, applied consistently to every deal.
MEMO GENERATION
A committee-ready memo in one click.
Our AI produces a memo draft – structured to your institution’s standards and complete with industry and deal risk analysis. Your analyst edits, adds context, and generates the final PDF.
AUDIT & DOCUMENTATION
Every document linked. Every version tracked. Every change logged.
Access a complete audit trail for every deal, collaborate seamlessly with version tracking, and instantly find supporting documents when you need them.
Three steps from deal intake to
committee-ready memo.
01
Enter deal details
Borrower, business, and loan information in a guided form — configured to your institution’s deal types.
02
Automated analysis
Financial ratios benchmarked against your criteria. Risk factors weighted and a recommendation generated according to your credit policy.
03
Generate the memo
A complete, formatted credit memo PDF – ready for analyst and committee review – generated in a single click.
Stop building credit memos. Start underwriting.
See how commercial lenders and small business bankers are processing more deals – without adding headcount or sacrificing credit quality.