For banks & lenders
As good as the spread underneath
Scans, Persian, inconsistent formats, days before committee.
- Analysts spreading the same borrower differently from one another
- A committee question about a figure that takes a day to trace
- Ratio tests computed in a personal workbook
- No consistent view of a borrower across facilities and years
Symptoms
What slows a credit file down
- Analysts spreading the same borrower differently from one another
- A committee question about a figure that takes a day to trace
- Ratio tests computed in a personal workbook
- No consistent view of a borrower across facilities and years
- Renewals starting from scratch because last year's file is a PDF of a spreadsheet
The playbook
A standard file, every time
One chart of accounts for all borrowers
Agree the mapping structure once. Consistency across borrowers is what makes your portfolio comparable at all.
Read and spread, do not retype
Statements become validated pages, then a spread with a citation per figure. The analyst's time goes to judgement, not entry.
Test with the same ratios every time
Liquidity, leverage, coverage and efficiency computed identically for every file, with your thresholds deciding what surfaces.
Keep the file for the renewal
Next year, the mapping, the history and the trends are already there. The renewal is an update, not an archaeology project.
What you use
The surfaces a credit team needs
Scanned statement reading
Persian and mixed-language scans read into structured tables, with anything unreadable named rather than skipped.
Consistent spreads
One chart of accounts across the portfolio, so borrowers are genuinely comparable.
Standard ratio tests
The same fifteen ratios for every file, with threshold exceptions surfacing the ones that need a human.
Traceability for committee
Every figure opens to the page it came from — the fastest possible answer to the only question that matters.
Multi-year trends
Trend views across the periods the borrower provided, not just the latest pair.
On-premises deployment
For institutions where borrower data cannot leave the building, the whole platform runs inside it.
For lenders
Can this run entirely inside our network?
Yes. On-premises is a first-class deployment, and the model endpoint can be a model hosted inside your own infrastructure, so no borrower document leaves your network.Do you integrate with our core banking system?
Through the versioned REST API with per-device tokens. There is no packaged core-banking connector today; teams integrate at the API level.
Bring your hardest engagement to the demo
We will walk your own workflow, not a scripted one — and tell you plainly where the platform does not fit yet.