Bashi reads a deal's documents, spreads the financials, checks them against your credit policy and drafts the paper in your format. Every figure is traced to the page it came from, and every step is on the record.
Request a demoFive stages, in the order a credit desk already works. Questions can be asked at any stage, and the trail is kept throughout.
Statements, contracts, invoices and spreadsheets, scanned or native, in any language, without re-keying.
Figures laid out in your template, each cell linked to the line it was read from.
Every deal tested against your credit policy and the loan agreements as written. Flags with reasons.
Committee memos in your house format, ready to edit rather than start from blank.
Every extraction, answer, draft and edit logged with who did it and when.
Audited accounts, management accounts, facility agreements, invoices, ageing reports, bank statements. Scanned PDFs and native files, in any language. Bashi reads the set as it arrives and holds it in one place for the deal.
Nothing is retyped. Where a figure appears in more than one document, Bashi knows, and can tell you when they disagree.
Bashi extracts the figures and lays them out the way your desk already does, with your ratios and your periods. Each cell keeps a link to the page and line it was read from, so a reviewer can check any number in one click rather than open the PDF and hunt.
Analysts confirm or correct cells as they go. Corrections are kept, and feed the accuracy measurement.
| FY23 | FY24 | FY25 | |
|---|---|---|---|
| Revenue | 38,400 | 44,900 | 52,600 |
| Gross margin | 21.4% | 19.8% | 18.1% |
| EBITDA | 4,301 | 4,535 | 4,681 |
| Net debt | 6,200 | 8,900 | 10,400 |
| Debtor days | 48 | 52 | 61 |
| DSCR | 1.31× | 1.48× | 1.62× |
| Top debtor share | 28% | 30% | 31% |
Your credit policy and the loan agreements go in as documents. Bashi tests each deal against them and returns a list: what passed, what failed, and the clause each test came from. A flag is a statement your committee can argue with, not a score nobody can explain.
Thresholds are yours. When the policy changes, the checks change with it.
| Check | Result | |
|---|---|---|
| DSCR ≥ 1.30× | 1.62× | Pass |
| Debtor days ≤ 45 | 61 | Flag F-02 |
| Top debtor ≤ 35% of book | 31% | Pass |
| Audited accounts < 12 months | 14 months | Stale |
| Tax clearance valid | Expired Jun | Flag F-03 |
| Signatories match registry | 2 of 2 | Pass |
Bashi drafts the committee paper in the structure your institution already uses, section by section, from what it has read and checked. Analysts edit rather than start from a blank page. Every figure in the draft is traceable to its source, and every edit is kept.
The result is a paper the committee can interrogate, produced in minutes rather than days.
Revenue grew 18% to $52.6m in FY25, driven by volume growth with new retail customers. Gross margin fell to 18.1% as input costs rose faster than selling prices. Debtor days rose to 61, above the 45-day threshold in the credit policy (flag F-02).
Net debt $10.4m; net debt / EBITDA 2.2× against a 3.0× covenant; DSCR 1.62× against 1.30×.
At any point, an analyst or a committee member can ask the deal a plain-language question and get an answer with the source attached. How have margins moved. Which covenants test this quarter. What did the auditor qualify. Bashi answers from the documents on the deal, and shows the page.
Questions are scoped to a deal, a borrower, or the whole book, and every answer is logged with its sources.
Every extraction, answer, draft, edit and override is logged with who did it and when. Risk and compliance can read it in the workspace or export it. Regulators and auditors get a record of how each decision was prepared, not a reconstruction after the fact.
Corrections your analysts make are part of the record too, and feed the accuracy measurement.
Every institution runs the same core platform. What sits on top is configured for your desk, from your own documents, during set-up and with our engineers alongside your team.
Your credit policy and standard agreements become the checks. Thresholds, limits and required documents are yours, and change when your policy does.
Spread templates and memo structures follow what your committee already reads. Nobody has to learn a new paper.
The set-up covers the documents your desk actually receives, in the languages and formats they arrive in, including the scanned ones.
Nothing used to train models, every figure traceable to its source, every action logged.
A 30-minute walkthrough on one of your own historical files, under NDA.