Data is scattered
Financial data is trapped in PDFs, spreadsheets, and legacy portals across multiple tools
Introducing FlowSpread — Agentic Financial Spreading for commercial lending
Learn moreEnd-to-end AI Credit Infrastructure
for Commercial Lending & BanksEnd-to-end AI Credit Infrastructurefor Commercial Lending & Banks
Turn messy documents & data into credit intelligence. Automate complex financial analysis, risk assessments and credit memos of businesses in minutes, not weeks.Turn messy documents & data into credit intelligence. Automate complex financial analysis,
risk assessments and credit memos of businesses in minutes, not weeks.
Trusted by Banks, Commercial lenders and 1,000+ Finance professionals
Manual Underwriting is a huge bottleneck
Analysis takes hours
Manual data entry and structuring financials consume valuable time that should be spent on client relationship
Decisions lack consistency
Subjective risk assessment leads to inconsistent credit decisions and hidden portfolio risks
A better way to underwrite deals
Crediflow unifies your entire underwriting workflow from data ingestion to decision-making into one intelligent infrastructure
Data Collection
Risk & Due Diligence
Credit Memo
Financial Analysis
Decision
From data to decision in minutes
Drop files here or click to browse
Supported formats: PDF, DOC, DOCX, XLS, XLSX
Maximum file size: 10MB
Connect Data
Upload PDFs or connect via API to ingest financial statements and tax returns
Analyzing documents
Analyzing financials
Building executive summary
Checking policy complianceAI Analysis
Our AI spreads the financials and runs a deep risk assessment across all data points
Revenue Review
Detailed analysis of revenue, cash flow, margins, and financial stability
Generic Credit Memo
Standard credit memo with executive summary, financial analysis...
Generate Memo
Review the structured credit memo and finalize your decision with confidence
Everything you need to decide
A unified infrastructure designed for modern credit teams to analyze financials, understand risk, and make confident decisions
Legal Name: Acme Manufacturing Corporation
Annual Revenue: $45.2M
State of Inc: Dealware
Employees: 287
Year Established: 1998
Business Profiling
Understand your borrowers at a glance business profile, performance, compliance, and risk insights
Running credit screening, policy compliance, document verification, and risk assessment...
Analyzing documents
Analyzing financials
Checking policy complianceBuilding executive summaryDeal Screening
Evaluate deal structure, borrower eligibility, and key requirements before moving into full underwriting
Revenue Model & Profitability
Assess revenue drivers, margin sustainability, and earnings quality
Management & Sponsor (KYC)
Review management team, sponsor background, and key person dependencies
Risk & Due Diligence
Investigate risk with AI and uncover hidden signals. Deep-dive into covenants and compliance
Total Inflow
$1,017,000
Total Outflow
$865,000
Net Cash Position
$152,000
Financial Analysis
Turn raw financial data into clear insights. Automated spreading, forecast, Cash flow and ratio analysis in seconds
PDF2026-my-bank statement.pdf
3.2 MB of 8MB
PDF2026-my-bank statement.pdf
3.2 MB of 8MB
XLS2026-my-bank statement.pdf
3.2 MB of 8MB
CompletedBank statement Analysis
Transform messy Bank statements into risk and credit intelligence with accurate and audit-ready analysis.
Number of paragraphs: 4
- The Request & Purpose: borrower name, facility type, proposed limit, purpose
- Key Credit Strengths, Weaknesses & Mitigants: 2-3 strongest points backed by financial metrics
Number of paragraphs: 5
- Financial Summary: high-level overview of balance sheet, income statement, cash flow, and key ratios
- Recommendation: approval recommendation with justification based on risk-adjusted return
Credit Memos
Generate structured, decision-ready reports in seconds. Fully customizable templates for your firm
Built with Intelligence at its core
Review this borrower and highlight any risks. Acme Manufacturing Corporation.
Sure. I’ve analyzed the available financials, documents, and external data for Acme Manufacturing Corporation.
If revenue declines by 10%:
- EBITDA margin would compress by ~2.3%
- Debt service coverage ratio would fall to 1.2x
- Liquidity remains sufficient, but buffer is reduced
Which portfolio shall I analyse? ...
Built to work with your stack
Seamlessly connect financial data, documents, and transaction systems to create a single source of truth for underwriting
Streamline the entire credit workflow
Crediflow powers the entire credit lifecycle, helping lenders, consultants, and brokers streamline workflows, analyze faster, and deliver better outcomes
Commercial Lenders & Banks
Transforms your entire underwriting workflow into a single intelligent system. Automatically collect borrower documents, analyze financials in real time, and generate structured credit memos without switching between tools.
Business Finance Consultants
Move beyond spreadsheets and manual analysis. Assess client financial health, identify risks, and build structured reports in minutes all from a single workspace
Commercial Brokers
Everything you need to prepare and present high-quality deals. Collect client data seamlessly, analyze financials, and generate lender-ready credit packages in minutes
Latest insights
Perspectives on AI, credit, and underwriting from the Crediflow team.
Automation in Real-time and at Scale
Time Saving to decision
To full Credit assessment
Operational Cost Saving
Security Compliant
Make better credit decisions faster
Bring your data, analysis, and decision-making into one intelligent platform. Start analyzing deals with clarity and confidence
Frequently asked questions
How does AI credit analysis work?
Crediflow ingests financial statements, tax returns, and bank statements in any format, automatically spreads and standardizes the data, then runs ratio, cash-flow, and debt-service analysis to produce consistent, explainable credit insights — work that took analysts days, done in minutes.
Can AI write credit memos?
Yes. Crediflow generates a complete, lender-branded credit memo with clear rationale and supporting analysis, ready to route through your approval workflow — turning a multi-hour write-up into a one-click draft.
What AI tools do credit analysts use?
Modern credit teams use AI tools like Crediflow for financial spreading, automated credit analysis, due diligence and fraud checks, credit memo generation, and real-time portfolio monitoring — replacing manual spreadsheet work across the underwriting workflow.
Is AI credit analysis secure and explainable?
Crediflow is built for regulated lenders with enterprise-grade security and explainable AI. Every output is traceable to its source data and shows its reasoning, and a human stays in control of every credit decision.
What is the best AI for private credit and commercial lending?
The best AI credit tools cover the whole workflow, not just one step. Crediflow handles data collection, analysis, due diligence, credit memos, and monitoring for commercial lenders, banks, brokers, and private credit teams.
How long does AI credit underwriting take?
Crediflow takes underwriting from weeks to minutes — full financial spreading and a first-pass credit assessment in around ten minutes, so your team decides faster without sacrificing rigor.
Still have questions? See how teams use Crediflow.