Finance Credit
Credit underwriting, PD estimation and covenant analysis.
§ 01Summary
Credit underwriting adapter. Runs PD estimation on live financials, scores cash-flow sufficiency, analyzes covenant risk, benchmarks against industry peers and produces the numbers an analyst can defend to committee — every figure footnoted to source.
§ 02Capabilities
What it does out of the box.
- Credit risk assessment
- Loan underwriting
- Probability of default (PD) estimation
- Cash flow sufficiency scoring
- Covenant risk analysis
- Industry benchmark comparison
§ 03I / O Contract
What you send, what you get back.
Field-level schemas and versioning available under NDA.
Inputs
- Financial statements (audited + management)
- Debt schedule + covenants
- Industry code + revenue band
Outputs
- pd_curve[] (12/36/60m)
- sufficiency_score (0–100)
- covenant_headroom_pct + trip_probability
- peer_benchmarks[]
// SAMPLE REQUEST
{
"entity_id": "e_...",
"statements_ref": "s_2025Q4_audited",
"covenants": [
{
"name": "DSCR_min",
"threshold": 1.25
}
]
}// SAMPLE RESPONSE
{
"pd_12m": 0.041,
"pd_36m": 0.098,
"sufficiency_score": 68,
"covenant_headroom_pct": 0.14,
"trip_probability_12m": 0.08,
"peer_benchmarks": [
{
"metric": "ebitda_margin",
"entity": 0.148,
"peer_median": 0.121
}
]
}§ 04Use Cases
Where partners are deploying it.
- Community + regional bank commercial lending
- SBA 7(a) and 504 originators
- Private credit fund underwriting
// WHEN YOU'RE READY
Single-adapter licence unlocks Finance Credit for one product. Vertical bundles and full-portfolio access are documented on the Partners page.