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The Product

One platform. Four modules. Zero re-keying.

Every module works alone or together, building a compounding system of record as your portfolio grows. Agents do the work; your team approves it.

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Module 01

Diligence Automation

Automatically extract financial statements, covenant terms and operating metrics from borrower materials. AZ2 converts unstructured documents into structured credit data in seconds.

  • Any format in, PDFs, Excel models, scanned agreements, data room exports
  • Amendments reconciled against the operative agreement automatically
  • Every extracted term linked to its source section and page

Agent behavior · Intake agent requests missing documents by email, then files the replies.

Diligence · document intake
CreditPack_Q2.pdf
Reading 42 pages
Revenue (LTM)$248.6Mp.14
Adj. EBITDA$61.2Mp.16
Net leverage3.4xp.31
Reviewed by 3 analystsReady in 38s
Module 02

Credit Memo Generation

Instantly generate an initial credit screening memo from borrower materials. Surface key financial highlights, risk indicators and deal eligibility before full underwriting begins.

  • Your IC template, your sections, your house style
  • Risk indicators ranked with mitigants, not just listed
  • Every claim traces to the model cell and source page behind it

Agent behavior · Underwriting agent drafts; nothing reaches IC without analyst sign-off.

Screening memo · Meridian Foods
Good morning, Zoe

Ask anything across your deals, portfolio and precedents.

Add context
Ask anything across your deals & precedents…
Fast 4 sources
Credit screening memoDrafted in 42s

Meridian Foods screens eligible on size, sector and leverage. Net leverage of 3.4x sits inside mandate, with three items flagged for sponsor follow-up.

Revenue
$248.6M
EBITDA
$61.2M
Leverage
3.4x
Reviewers2 of 3 signed off
Marcus HaleMarcus HaleCredit leadApproved
Priya RamanPriya RamanAnalystApproved
Elin SandbergElin SandbergRiskReviewing
Module 03

Portfolio Monitoring

Track borrower performance across your portfolio with real-time covenant monitoring. Detect emerging risk early and respond before it impacts returns.

  • Covenants recalculated the moment borrower reporting arrives
  • Headroom trends and watch lists across the whole book
  • Breach notices drafted automatically, sent only on your approval

Agent behavior · Monitoring agent chases late reporting before the deadline, not after.

Portfolio watchlist · 38 borrowers
In compliance
0
On watch
0
Breached
0
Meridian FoodsHeadroom 22%3.4xIn compliance
Halden LogisticsHeadroom 6%3.9xOn watch
Verity HealthHeadroom 31%2.8xIn compliance
Northbay RetailHeadroom −4%4.3xBreached
Halden Logistics
Senior secured · $62M commitment
On watch
Net leverage
3.9x
Interest cover
2.1x
Headroom
6%
Covenant tests
Q3 FY253.5xPass
Q4 FY253.7xPass
Q1 FY263.9x0.1x to trigger
Generate risk action plan
Module 04

Team Collaboration

Centralize credit analysis, memos, comments and approvals in a single workspace. Ensure every stakeholder operates from the same information.

  • Structured IC decisions: approve, approve with conditions, decline
  • Comments anchored to the exact number or clause under discussion
  • No more fragmented spreadsheets or document chains

Agent behavior · Every decision, comment and edit lands in one shared workspace, nothing lives in a side channel.

Deal workspace · Meridian Foods
Priya RamanMarcus HaleElin Sandberg
3 online
Workspace members
Priya RamanPriya RamanAnalyst
Marcus HaleMarcus HaleCredit lead
Elin SandbergElin SandbergRisk
Add team member
Add team members
Kenji ItoKenji ItoIC chairAdd
Nadia OkoroNadia OkoroLegalAdd
Tom VasquezTom VasquezPortfolioAdd
Investment committee decision
Priya RamanMarcus HaleElin SandbergKenji Ito
Approve
Greenlight the application when all criteria are met and risk sits inside limits
Approve with conditions
Proceed subject to additional covenants or reporting requirements
Defer to next IC
Hold pending updated financials or a further diligence workstream
Decline
Leverage or coverage ratios outside acceptable thresholds
Module 05 · Audit Trail

Every number traces back to its source

Click any figure in a memo and walk the full lineage, from the claim, to the model cell, to the exact page of the source document. Every extraction, edit and approval is logged. No black boxes.

Diligence→
Credit Memos→
Monitoring→
Collaboration→
Audit Trail
Lineage · Net leverage 4.2x
1 · Memo claim

“Net leverage of 4.2x exceeds the 4.0x policy threshold”

screening_memo_v3 · §Risk
2 · Model cell

=NetDebt/EBITDA_LTM · $186.5M / $44.4M = 4.20x

model.xlsx · Debt!C14
3 · Source document

Q4 financial statements, Note 7, total indebtedness

financials_q4.pdf · p.31

Immutable log · who changed what, when · exportable for auditors & LPs

See the platform on your own deals

Bring a borrower package to the demo, we'll structure it live.

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