Coming soon
Credit Co-Pilot
Commercial credit analysis and documentation for credit professionals and institutions.
Bring financial spreading, cash flow, collateral, covenants and your credit memo into one Windows desktop workspace. Prepare a reviewable print or PDF package from selected underwriting sections.
You write the narrative and make the decisions. Credit Co-Pilot supports your analysis; it is not an AI writer or loan approval authority.
Watch the 50-second preview · View the fictional sample memo (PDF)
Planned one-time licenses for version 1.7.0. See pricing, scope and exclusions. The product and separate Demo are coming soon; purchases and software downloads are not yet available.
Explore the Credit Cheat Sheet, deeper underwriting tools and practical uses in the Product Tour.
Explore the workspace
From financial statements to a clearer credit story
Spread multiple periods and compare liquidity, leverage, profitability and working-capital trends. Linked UCA cash flow shows how movements in receivables, inventory and payables change the cash picture.
See repayment at the business and relationship level
Build business and personal cash-flow schedules, align periods, organize debt and review global coverage. Reconciliation notices help identify inconsistent inputs and possible double counting.
Test the assumptions behind the result
Explore variable-rate shocks, revenue declines, expense increases and break-even questions. Track collateral, exposure and proposed covenants alongside your analysis.
Go deeper where the transaction needs it
Review AR/AP aging, concentrations and borrowing-base eligibility; rent rolls, NOI and debt coverage; tax schedules, projections, personal financial statements and K-1 adjustments. Choose the relevant tools and apply your institution’s definitions.
Turn the analysis into a reviewable package
Write your credit narrative, document strengths and risks, and state your recommendation. Print Memo brings the memo together. Master Print / PDF lets you select and order underwriting sections for a fuller review package.
See a complete fictional example
This eight-page fictional memo follows a $500,000 working-capital request using Credit Co-Pilot 1.7 preview calculations and analyst-written narrative. Its layout was custom-designed for this website and does not represent the application’s native Print Memo or Master Print / PDF formatting. All names, figures and assumptions are invented; this is an illustration, not an actual lending recommendation or approval.
Below, the actual application screenshots use fictional data. Open an image for a closer look. The product and separate Demo are coming soon.
