Turn a deal file into a cited underwriting memo.
Upload a borrower package, pitch deck, or data room. SecureLend extracts the facts, flags risks, applies your rubric, and drafts the memo. You review the work—not redo it.
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Explore representative lending, investment, spreading, and transaction outputs with source-level citations. These synthetic examples show product structure; they are not customer files or completed decisions.
§ 02
Acme Manufacturing — Underwriting Package
A decision-ready credit draft built from the spread, source evidence, policy tests, and surfaced exceptions.
CREDIT UNDERWRITING PACKAGE
Borrower: Acme Manufacturing, Inc. ("Acme" or "the Company")
Facility: $2.0M Revolving Line of Credit, maturing Jan 2029
Purpose: Working capital support for seasonal inventory build
RECOMMENDATION: APPROVE with conditions
FINANCIAL VIEW
• Adjusted DSCR: 1.42× (Policy minimum: 1.25×) [1]
• Leverage (Total Debt / EBITDA): 2.8× (Policy max: 3.5×) [2]
• Current Ratio: 1.3× [3]
• Customer Concentration: Top 3 customers = 42% of revenue [4]
RISKS, EXCEPTIONS & STRUCTURE
1. Customer concentration exceeds 30% threshold (actual: 42%) — Mitigated by 5-year contract renewals with top 2 customers [4]
2. Covenant headroom on fixed charge coverage: 0.15× below internal target — Offset by strong liquidity position ($1.2M unrestricted cash) [5]
3. Proposed conditions: monthly borrowing-base certificate; minimum DSCR 1.25×; maximum leverage 3.50×.
SOURCES & CITATIONS
[1] DSCR calculation: Normalized EBITDA $1.85M / Debt Service $1.30M = 1.42×. Source: FY2025 audited financials p.12-14, LTM adjustments per bank statements pp.28-31.
[2] Total debt $5.2M per balance sheet p.8. Adj. EBITDA $1.85M per income statement p.11.
[3] Current assets $4.1M / Current liabilities $3.2M per balance sheet p.8.
[4] Customer concentration: Customer A 18%, Customer B 14%, Customer C 10% per AR aging p.22. Contract terms verified in agreements pp.45-52.
[5] Cash position per bank confirmation pp.33-34.Illustrative data only. SecureLend outputs are drafts for qualified human review, not credit or investment decisions.
One complete workflow
From source file to reviewable decision.
SecureLend does the mechanical first pass and shows its work. Your team keeps the judgment, approval, and client relationship.
Upload the file
Borrower package, data room, pitch deck, or financial statements.
Apply your rules
Agents extract, spread, verify, and challenge the file against your rubric.
Review the work
Receive a cited analysis, surfaced exceptions, and a decision-ready draft.
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Put agents inside the operating model you already trust. Every material finding stays connected to the source, policy, and human decision behind it.
Your approved models
Use SecureLend defaults, route steps by task, or connect supported model providers with encrypted credentials.
Your institutional data
Combine deal files with the systems and data sources your team already relies on.
Your underwriting policy
Apply your rubric, escalation rules, and approval gates instead of a generic scoring template.
Recommendation
Approve with conditions
Material actions are logged with their evidence and review state. Customer-provided third-party API credentials are encrypted at rest.
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Route each job to the model you approve.
Use SecureLend-managed routes or connect a tenant-owned OpenRouter key, then apply model policy by workload, quality tier, and cost. The evidence workflow stays consistent while the selected model can change.
SecureLend-managed routes
OpenRouter model catalog
OpenRouter inference & self-hosted
Managed routes are built into SecureLend. OpenRouter entries use the tenant’s OpenRouter account and its live catalog. Ollama is a self-hosted roadmap item: the current fixed OpenRouter proxy does not connect to local Ollama endpoints.
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Junior prepares. Analyst challenges. Senior recommends. You decide. Every tier uses the same models, source traceability, and evidence standard — you pay for how much of the workflow SecureLend owns, not for a better-quality answer. No page, document, or memo caps.
§ 05
Adds broader workflow coverage, fraud and tamper checks, custom-rubric memos, longer audit retention, and fewer approval handoffs.
Full comparison on /pricing
Prepares the file — classification, extraction, spreading, rubric prechecks, quant analysis, and evidence-linked workpapers. You direct the workflow.
Runs the file with the Analyst Harness — source verification, reconciliation, compliance screening, financial cross-checks, exception handling, and decision-ready work. You retain final approval.
Adds broader workflow coverage, fraud and tamper checks, custom-rubric memos, longer audit retention, and fewer approval handoffs.
Three concurrent governed workstreams — add more as volume grows. Organization-wide policy controls, custom integrations and models, audit exports, SSO, white-label controls, and SLA. Annual contract.
No page, document, or memo caps for interactive use. Reasonable-use and concurrency terms apply; automated API throughput is priced separately. Human-cost comparisons are indicative fully loaded U.S. employment costs — compensation, benefits, payroll, tools, recruitment, and management overhead.
Stop reading decks.
Start reading memos.
7 days of the Senior Analyst, free — no card to start. Put it on your next file and judge the memo, not the demo.