AI-powered loan analysis for SME lenders
Read every document. Check every figure. Cut hours off every file.
Atlas Freight AFS FY2026 (signed).pdf
18 pages · not yet read
Atlas Freight is a demonstration borrower. Nothing here is uploaded, stored, or sent to a model — the whole file runs in this tab.
Designed alongside working credit analysts at a South African SME lender — the DSCR floors, addback rules and stress cases are theirs, not ours.
Three things, done properly
- RevenueR0
- EBITDAR0
- Total debtR0
Reads anything
Scans, photos, signed PDFs.
Checkable, not trusted
Every figure cites its page.
- Adjusted EBITDAR9,400,000
- Annual debt serviceR7,594,008
- Coverage1.24x
Arithmetic, not opinion
No model touches the maths.
Your accounts, your keys, your bill
Your key is encrypted into Supabase Vault the moment you save it — never returned to a browser, never written to a log, never shown again. The document is sent to the provider you chose, under your account, and that provider invoices you at their list price with nothing added by us. They bill you directly.
How your data is handled- Score a borrower, or produce anything that reads as a score.
- Approve, decline, or conditionally approve a facility.
- Recommend a lending outcome, in commentary or anywhere else.
- Present an extracted figure as verified before a person says so.
- Hold a pooled provider key, or add margin to what a provider charges you.
The accounts you already have
One key is enough to start.
The ones that actually get asked
Do I need an AI subscription before I sign up?
No, but you need a provider key before anything can be read — a Google AI Studio key takes about two minutes, and we validate it live before saving it.
What does it cost to run a document?
Whatever your provider charges, which for a set of annual financials on Gemini Flash is in the order of R0.70, with nothing added by us.
Is my borrower's data used to train a model?
That is between you and the provider you chose, which is exactly why the key is yours: you can read the terms you are actually bound by, and change provider without changing platform.
What happens when the extraction gets a figure wrong?
You correct it in a click — the override is stamped analyst-entered, the confidence score is dropped because it no longer applies, and everything downstream recalculates, which is the second card above.
Can I delete everything?
Yes, from Settings at any time; the audit trail survives but is anonymised, because an audit log you can erase is not an audit log.
Does this replace a credit analyst?
No — it removes the three hours of retyping that sit in front of the judgement, and leaves the judgement where it belongs.
Put your next file through it.
Sign up, connect one provider key, and upload a real set of financials. There is no trial to run down and no sample data pretending to be a borrower.