Use cases

AI Credit Memo Generator for Commercial Loans

A credit memo generator reads the borrower's financial statements, tax returns and deal documents, then drafts the credit memo a lender's committee needs: transaction summary, sources and uses, cash flow and DSCR analysis, collateral, guarantor strength, key risks with mitigants, proposed covenants and a recommendation.

What you get

• Sections a credit committee expects: request, borrower and guarantor, cash flow and coverage, collateral and LTV, industry and market, risks and mitigants, covenants, recommendation.
• DSCR, debt yield and LTV computed from the evidence, with each input's source page cited, or the input labeled as an assumption.
• Proposed covenants and conditions tied to the specific risks found, not boilerplate.
• Exports alongside a term sheet and a live Excel model so the memo and the numbers agree.

How it works

1. Drop a deck, data room, model or forwarded email. No forms.
2. Get a verdict with reasons in about a minute: proceed, proceed with conditions, or pass.
3. Download the package: one-pager, term sheet, investment memo, IC pack, deal timeline and a live Excel model, with every headline figure sourced or labeled.

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