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AnalyzeCommercial credit

The analysis and the memo done before you open the file.

Your full credit analysis, tested against the account and written into your memo.

Spread and cash flow

The business spread and reconciled.

Business spreadEvery return spread into one income statement, each figure linked to its page and line.
Global cash flowThe business, guarantors and affiliates in one coverage number.
Tested against the accountTwelve months of statements test the return and bring it up to last month.
Coverage and risk

Coverage, ratios and what could go wrong.

Debt service coverageHistorical, global, pro forma and stressed, against your policy minimum.
RatiosMargins, liquidity and leverage, with the trend.
CollateralAppraised value, discounted to what it would really bring.
The memo

The memo drafted and cited.

Your memo templateEvery section drafted and cited. Your analyst makes the call.
A proposed structureAmount, term, amortization and covenants, for your team to accept or change.
Ask the file whyAsk any question about the file and get an answer with its source.
Where it fits

One of ten capabilities. Better together.

DigitizeStatement extractionFinancial spreading
AnalyzeCash flow & behaviorCommercial creditYou're hereCommercial real estateSoon
EnrichReal-world signalVerificationIndustry analysisSoon
DecidePortfolio fitLearned rulesSoon
Used byBanks and credit unions
Next: Commercial real estate

See it on your own files.

Send us three recent files. We'll show you what commercial credit finds in each.

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Priced per capability. Use one, or the whole file.