01 Upload
PDF-to-Excel, deleted.
Drop the financial statements exactly as they arrive — scanned annual report, balance sheet, P&L. That drag-and-drop replaces the whole extract-into-a-spreadsheet step.
0 CELLS RETYPED
Modernising credit risk management
12 Risks eliminates the manual, Excel-based steps of credit analysis with the latest advances in ML and AI — financial statements extracted in minutes, KPIs computed, the memo drafted against your own scoring model. The hours you save go to the only part that matters: the decision.
NO PDF→EXCEL RETYPING · ZERO BLACK BOX · YOUR MODEL, YOUR BANDS
Drop the financial statements — any layout, any scan quality.
0×
faster credit risk decision cycle
0:00
median run, source PDF to typed figures
48
figures retyped into Excel
0%
of memo figures traceable to the source PDF
One pipeline. Four steps.
Everything in between is 12 Risks — and the walkthrough above isn't a mock-up, it's the workspace. Each step deletes a manual Excel or Word chore and keeps the decision human.
Drop the financial statements exactly as they arrive — scanned annual report, balance sheet, P&L. That drag-and-drop replaces the whole extract-into-a-spreadsheet step.
0 CELLS RETYPED
The latest AI and ML extraction models lift every figure and compute your KPIs in minutes — and each value stays linked to the exact line of the source PDF, highlighted for inspection.
EVIDENCE ON EVERY NUMBER
KPIs run straight through the weights, thresholds, and rating bands your credit committee set in Settings. The AI never scores by its own opinion.
ZERO BLACK BOX
The most capable AI models draft the credit memo pillar by pillar, arguing inside your model. No more analysis hand-written in Word — your team's time moves to the only part that needs an analyst: judgment.
YOU VALIDATE. IT WRITES.
Zero black box
ML extracts and AI writes — but no score appears without a reason you can point to. The scoring model is an explicit, versioned document: weights, thresholds, and rating bands your credit committee owns and edits in Settings — not a data-science backlog. And every figure in the memo traces back to the line of the source PDF it came from.
The scoring model — as your analysts see it
EVERY PARAMETER EDITABLE IN SETTINGS · VERSIONED · NOTHING HIDDEN
The audit trail — for your regulator and your CRO
Source
KPI
Judgment
Memo
“…net leverage easing to 2.6× — inside the 3.0× ceiling your model sets for the Debt pillar.”
CLICK ANY FIGURE IN THE MEMO · LAND ON THE LINE IN THE PDF
Most credit teams still lift financial statements out of PDFs into Excel by hand, then write the analysis in Word. If Excel is part of your credit analysis workflow today, reach out — we'll show you, on your own statements, how the decision cycle gets ten times faster.