Desk 01 · Credit Analysis

From intake to committee, in days.

One data room. Lucia classifies every document, screens the applicant against your written credit policy, and drafts a committee-ready memo with citations to the source page.

Applicant file · illustrativeCommittee · Oct 9

Kestrel Commerce

B2B SaaS · Austin · requested $1.5M delayed-draw term loan

Lucia Score 71

Policy screening11 of 12 checks clear

OpenCustomer concentration 41% against a policy ceiling of 35%. Top account renews in Q1; mitigant requested.

Credit memo Draft · 14 citationsData room 27 documents read

01The file arrives · from upload to draft

One data room. The memo starts writing itself.

Borrowers upload financials, bank statements, and credit agreements through Brain Link. Lucia classifies each file, lists what is missing, screens against your policy, and drafts the credit memo.

Step 1

Intake.

Documents arrive through Brain Link. Lucia classifies them by type, flags gaps, and indexes every page for citation.

Step 2

Screen.

The file is tested against your written credit policy. Each criterion is scored and evidenced; exceptions are flagged before diligence begins.

Step 3

Draft.

Lucia drafts the credit memo with inline citations. Every figure links to the source document, page, and period.

02What the desk does

Origination pipeline with stage aging and next actions
Policy screening against your written credit policy
Lucia Score for every applicant and every loan on the book
Credit memo drafted with citations to the borrower's documents
Committee-ready file: memo, financials, and open items
Brain Link intake with file classification and gap detection
Data room indexed, classified, and cited in the memo

03Lucia Score · four dimensions, one number

One score per borrower. No black box.

Lucia Score evaluates credit health across four dimensions: revenue trend, repayment, covenants, and reporting timeliness. Dimensions without evidence are excluded and the remaining weights renormalize—nothing is guessed.

71 Healthy Kestrel Commerce

Revenue trend

Trailing revenue performance against prior periods and plan.

Repayment

Payment coverage and consistency across recent billing periods.

Covenants

Headroom, breaches, and cure status across the covenant set.

Reporting

Timeliness of financial and compliance deliverables.

04The memo · drafted, cited, reviewed

Drafted, cited, and ready for the committee.

Lucia drafts the credit memo from your data room. Each number is cited to its source document. Edit in the same file, review changes, and send it to committee.

Initial credit memo · illustrativeDraft

Goshawk Robotics

Initial Credit Memo

Lucia Score 64

1. Executive summary

Goshawk Robotics is a Series B industrial automation company headquartered in Detroit, requesting a $900K revenue-based facility. Trailing twelve-month revenue is $6.2M with 18% year-over-year growth. The company has four active contracts with an average remaining term of 14 months.

Source [1] Goshawk Robotics · Management accounts · May 2026 · p. 3

Lucia AI

Ask about any section, citation, or gap in the memo.

05Lucia AI · ask about any applicant

Portfolio manager

What is the concentration risk on Kestrel Commerce?

Lucia

Kestrel Commerce's largest customer represents 41% of revenue against a policy ceiling of 35%. The top account renews in Q1; a mitigant has been requested. See the screening report for the full criteria set.

[1]Kestrel Commerce · Screening report · Sep 2026 · criterion 11

Run a screening on Kestrel Commerce Draft the credit memo for Kestrel Commerce Which applicants have open policy exceptions?

Ask about any borrower, covenant, or statement…

Portal access

The file is ready when the committee sits down.

Credit analysts and committee members sign in to the same record. The memo, the screening, and the score all cite the same data room.

Borrowers · your portal is at sign in