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Credit paper and pack

A credit paper where every figure has a source.

Bank, non-bank or discussion layouts drafted from the deal file. Figures are merge fields, every claim cites its source and every open red flag is addressed. The client can confirm the facts, then the submission pack is indexed for you.

Book a demoSee how it works
A credit paper for the acquisition of Harbourside Café. The loan of $300,000, normalised EBITDA of $106,400, revenue matching the BAS and a buffered DSCR of 1.41x each cite their source. The QA check finds the lease, with two years left, is shorter than the five-year loan and the paper doesn't say so. The risks section is drafted with the five-year option to renew, cited to the lease, the flag clears and the submission pack is indexed with its appendices.
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Paper drafted

Bank layout · 8 sections · 31 citations

Drafted from the deal file

Background, purpose, facilities, financial analysis, risks and mitigants, the debt servicing table and the exits. The AI writes the words. The figures come from the file as merge fields, so they can't be mistyped.

  • Bank, non-bank and discussion paper layouts
  • Every statement cites the document or record it came from
  • Every open red flag addressed in the risks section
  • Your recommendation is yours: the AI never writes a verdict

QA · Credit paper

Shah Hospitality · version 4

1 to address
Figures match their sources14 of 14
Uncited paragraphsNone
Lease vs loan termNot addressed
A lender may askDebtors over 90 days

Checked before it's sent

Every save checks the paper against the file: blank fields, typed figures, uncited paragraphs and red flags the paper doesn't address. Ask for the AI's read and it adds what a lender may ask.

  • Figures checked against their sources
  • Open red flags the paper doesn't answer are listed
  • Serious ones hold the pack until they're addressed
  • "A lender may ask" questions from the AI's reading
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The facts are right.

The client confirms the facts

Send the client a copy without the lender-only pages, the risks, exits and your recommendation. They confirm the facts are right or ask for changes. A pack built before they've confirmed carries a warning, and any later change to the paper asks them again.

  • Lender-only pages kept out of the client's copy
  • Confirmed or changes asked for, in the portal
  • A change to the paper or its figures voids the confirmation
  • Filed on the deal with the date

Submission pack · v2

Credit paper + 11 appendices · 84 pages

Ready
Appendix 1P&L FY24 to FY26
Appendix 2BAS FY26
Appendix 4Lease
Privacy consentBoth directors

An indexed pack, ready to send

The paper and the documents you tick become one PDF: an index, then each appendix with its title and page numbers along the top and a bookmark. It won't build until every signer's privacy consent is held.

  • Each appendix titled and numbered on every page
  • Gated on each signer's privacy consent
  • A lodgement summary with each field and its source, to copy across
  • Kept staff only, never shared by accident

Also in Credit paper and pack

From draft to lender-ready.

Three layouts

Bank, non-bank and a discussion paper for a BDM.

Every figure cited

Merge fields from the file, each with its source.

QA check

Unaddressed flags and uncited claims found on every save.

Client confirmation

A copy without the lender-only pages, confirmed in the portal.

Indexed pack

The paper and appendices, numbered and bookmarked.

Lodgement summary

Each field with its source, ready to copy across.

Before you ask

Questions about the credit paper.

Can I write my own sections?
Yes. Edit anything. The recommendation is always yours, and the AI never rewrites it.
Does it lodge with the lender?
No. You send the pack. For lodgement platforms, the lodgement summary lists each field with its source to copy across.
Can I use it for a first chat with a BDM?
Yes. The discussion layout is shorter and keeps the discussion points off the client's copy.

Keep exploring

Client documents

The checklist in, the accountant too

Financial analysis

Red flags and serviceability, sourced

Lenders and offers

Approaches, questions and term sheets

See it on one of your own deals.

A 20-minute demo. Bring a live deal or a recent credit paper.

Book a demoAbout founding firms