Solution
For credit analysts, underwriters, and chief credit officers at banks and private lenders: repayment capacity computed from the borrower's actual documents, with every figure cited to its page.
The problem
Figures get rekeyed from tax returns into spreads and cash flow gets rebuilt by hand from bank statements. By the time the numbers exist, there is little time left to think about them.
Income on the return, deposits on the statements, and the debt schedule each tell a different story — and hand assembly rarely catches it.
Credit committees and examiners ask where a debt-service figure came from. Reconstructing it from a spreadsheet is slow and unconvincing.
The product, not a promise
How it works
Take in tax returns, financial statements, bank statements, and debt schedules in any format.
Pull income, expense, asset, and liability figures into structured, source-linked data.
Derive leverage, liquidity, cash flow, and repayment capacity metrics against your credit policy.
Surface inconsistencies between documents and metrics outside policy thresholds for review.
Hand analysts a capacity assessment where every number traces back to its page.
Who it's for
Credit analyst
Chief credit officer
Risk & compliance
Repayment capacity is the core question in any credit decision, and answering it still consumes most of an analyst’s week. Figures get rekeyed from tax returns into spreads, cash flow gets rebuilt by hand from bank statements, and by the time the numbers are assembled there is little time left to think about them. This solution does the assembly, so analysts spend their time on judgment.
The agents read the borrower’s actual financial record — tax returns and their schedules, financial statements, bank statements, debt schedules — whether it arrives as clean PDFs, scans, or spreadsheets. Extracted figures are structured into income, leverage, liquidity, and cash flow analyses, and repayment capacity is computed against your credit policy definitions rather than a generic template. Spreading that took days of manual entry runs five times faster, and inconsistencies between documents — income on the return that fails to reconcile with deposits on the statements, a liability on the debt schedule missing from the balance sheet — are flagged instead of slipping through.
The output is decision-ready: the metrics, the underlying spread, and the exceptions, each linked to the exact source page. An analyst reviewing a debt-service figure clicks through to the line on the tax return it came from.
Capacity analysis is exactly the work a regulator or credit committee will ask you to defend. Every number in the output is cited to its source; every computation and flag lands in the audit trail; and no credit conclusion ships without human approval. That combination — automated assembly, transparent lineage, human sign-off — makes the analysis repeatable across a portfolio and defensible on any individual file, whether it’s one borrower or a full review cycle.
Objections, answered
Click it. Every figure in the assessment traces to the exact line on the source document — the tax return schedule, the bank statement, the debt schedule. Verification takes seconds per number, and no conclusion ships without an analyst's approval.
Your definitions are the ones computed. Cash flow treatment, add-backs, global versus entity-level analysis, policy thresholds — all configured to your credit policy, applied identically on every file.
The full lineage: source documents, extracted values, computations, flags, and the named approver on every conclusion. Capacity analysis becomes repeatable across the portfolio and defensible on any individual file.
Intake handles the documents you already collect — returns, statements, debt schedules, in any format. Configuration is your policy definitions and thresholds; analysts review flagged output from the first file onward.
Watch tax returns, bank statements, and debt schedules become a cited capacity assessment in one sitting.
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