Credit analysis infrastructure,
built by credit people.
Two production systems that turn raw borrower documents into structured, decision-ready analysis — available for licensed institutional use.
A short introduction.
What the tools do, and how they are deployed.
Two engines. One judgement layer.
Bank Statement Analyzer (BSA)
Bank statement PDFs in — structured cashflow intelligence out.
• Transaction classification and counterparty analysis
• Cashflow forensics: real revenue vs. round-tripping patterns
• Risk flags — indicative indicators for reviewer attention
• Month-completeness and statement-integrity checks
• Structured HTML and Excel outputs
Financial Statement Analyzer (FSA)
Audited and management accounts in — structured analysis out.
• Full financial spreading across up to three financial years
• Ratio and cashflow analysis with consistency validation
• A Bank-Readiness Rating summarising the credit posture
• Written analysis a credit officer can lift into a paper
• Structured HTML and Excel outputs
Analysis outputs are decision support, not decisions. Risk flags are indicative indicators for human review — not conclusive findings.
Your infrastructure, your rules.
SaaS
Hosted by us, ready immediately. The fastest way to run a proof-of-value.
Private cloud
Deployed into your cloud tenancy, inside your security perimeter.
On-premise
Fully inside your data centre for institutions with strict data-residency requirements.
Engagements begin with a paid proof-of-value on your own sample cases. Security architecture and system requirements are customised per institution. Commercial terms are quoted per institution — we don't publish pricing.
Anyone who reads borrower documents for a living.
Banks
Commercial, Islamic, and mid-tier banks — SME credit teams and pre-screening units.
Digital & alternative lenders
Digital banks, P2P financing platforms, and fintech lenders scaling credit operations.
Agencies & firms
Development agencies, guarantee institutions, accounting and advisory firms.
Request a briefing.
A 45-minute walkthrough of both systems on real (anonymised) cases — followed, if it makes sense, by a proof-of-value on yours.
Tell us your institution and role, and what you are evaluating — pre-screening, portfolio review, or something else — and we will come back with times.