Loan memos that write themselves.
Statements spread to a standard chart of accounts the moment they land, every ratio recalculates live, and a credit-committee memo is generated from the spread in a single click.
01 · Auto-spreading
Spreads build themselves
Drop in a T-12 or operating statement and CapitalMrkts maps it to a standard chart of accounts, line by line, so a rent roll and a P&L underwrite the same way every time.
02 · Instant metrics
Every metric, calculated for you
DSCR, debt yield, loan-to-value, and break-even occupancy recompute the instant the spread changes, with the cash-flow waterfall built in, so there is nothing left to key into a calculator.
03 · Memo generation
A credit memo in one click
When the spread is set, generate a credit-committee memorandum that pulls the metrics, collateral, and narrative into your house format, ready to send to committee.
Everything you need to underwrite faster
From the first statement to the committee memo, in one workspace.
T-12 and operating statements spread to a standard chart.
DSCR, debt yield, LTV, and break-even recomputed live.
A credit-committee memo built from the spread in one click.
Outstanding items requested and chased automatically.
Map the spread and memo to how your shop underwrites.
One workspace across every collateral and facility type.
Underwriting time is mostly re-keying: the same income, expenses, and metrics typed into a spreadsheet, then again into a memo. When the spread is the source of truth and the metrics and memo flow from it, a deal that took days takes hours.