AI Underwriter
Every file the same rigor.Every memo drafted in seconds.Every decision yours to sign.
Credit assessment breaks at scale.
Inconsistent decisions
Different analysts apply different standards, and portfolio risk compounds.
Generic models don't fit your book
Off-the-shelf scores miss the signals that actually predict repayment in your portfolio.
No feedback loop
Your underwriting logic never learns from the outcomes you generate.
Speed vs. quality tradeoff
Scaling volume means more analysts or lower-quality decisions.
Underwrite anyone in minutes.
Spread Financials
Pulls statements, GLs, and bank data into a normalized period-over-period spread. DSCR, margin, debt service, trend, all computed in one pass.
Read the story behind the numbers
Picks up what the spread alone won't tell you: concentration risk, moving margins, what a late filing implies.
Checked against your policy
Every file is held against your encoded credit policy, and anything outside it is flagged, never waved through.
Draft the memo
The memo a senior analyst would write, every claim cited to its source line, ready for your underwriter to sign.
The non-negotiables.
Cited to source
Every figure links to the document line that produced it.
Calibrated to your policy
Your thresholds and required checks, encoded once, applied always.
Learns from your outcomes
Every repayment and default sharpens the next recommendation.
Your underwriter signs
The AI drafts and explains. A human makes every decision.
Wires into your stack
API-first. Integrates into your existing LOS, credit engine, or custom workflow.