Deterministic private-credit workbench

Credit conclusions you can trace.

Structure debt, stress operating cases, test covenants, and produce a preliminary credit memo from deterministic calculations.

Start analysis Open guided workflows
Decision chain4 calculation layers
01Normalized statements
02Debt and interest
03Covenant stress
04Rule-based decision

Deterministic

Financial metrics and risk rules run in Python without an external AI API.

Explainable

Every metric exposes formula, inputs, source period, result, interpretation, and limits.

Memo-ready

The same calculated result set flows into a print-optimized preliminary credit memo.