AI credit analyzer
Structured JSON output is stored in `ai_analyses` for audit and usage tracking.
Credit health analysis
The company is approaching fundable status, with strong revenue momentum and moderate pressure from debt service.
Strengths
Stable recurring revenue
Positive net margin
Improving cash coverage
Weaknesses
Debt service concentration
Incomplete latest bank statement
Customer concentration above lender comfort
Risk analysis
Primary risks are debt service coverage, missing current-month documentation, and concentration in the top customer cohort.
AI roadmap engine
30, 90, and 180-day actions prioritized by impact, difficulty, and score improvement.
30 days
Upload latest statements and reconcile revenue classifications
Difficulty: medium · Impact: lender readiness and score confidence
90 days
Reduce short-term debt service through refinancing
Difficulty: medium · Impact: lender readiness and score confidence
180 days
Expand customer base to lower concentration risk
Difficulty: medium · Impact: lender readiness and score confidence