Transform borrower financial statements and loan request details into a polished commercial credit memo. Covers borrower background, financial analysis, risk factors, collateral, and credit officer recommendation.

Check borrower financials against loan agreement covenants. Flag any breaches, calculate headroom, and draft a covenant compliance certificate or waiver request narrative.

Normalize borrower financial statements into a standard spreading format. Compute key credit ratios, recast EBITDA for non-recurring items, and produce a clean 3-year comparative analysis table.

Analyze a commercial real estate rent roll: normalize lease terms, calculate occupancy, project gross potential rent, compute NOI, and flag credit risk in the tenant base.

Calculate DSCR and debt yield for commercial real estate and business loans. Run sensitivity tables across NOI scenarios and interest rate assumptions to stress-test coverage ratios.

Generate a structured pre-call or pre-meeting brief for commercial bankers. Includes borrower financial snapshot, relationship summary, open items, cross-sell opportunities, and talking points.

Assess SBA 7(a) and 504 loan eligibility, prepare the loan narrative, and structure the application for small business borrowers. Includes size standard check, use of proceeds, and repayment analysis.