< 5 min
500-page agreement processed
vs. 8–20 hours manual
Proof Points
Outcomes banks can put in a board report
Every number is conservative, post Human-in-the-Loop review, and based on comparable deployments.
200+
Structured fields extracted
Per APLMA/LMA credit agreement
95%+
Post-HITL accuracy
Every field linked to source clause
8
Document families supported
KYC, credit memo, term sheet, facility agreement & more
The Problem
The real FTE burn isn't in booking — it's in ongoing servicing
Every month, your ops team processes hundreds of credit events manually — drawdowns, amendments, covenant tests, agency notices. Smartflow automates the full lifecycle.
Today's Reality
FTE burn on servicing events
40–80 drawdowns, 8–20 amendments, 200–400 agency notices per month — each processed manually across disconnected systems.
45-day covenant test cycles
Analysts manually extract financials from PDF, hunt through 500 pages for covenant definitions, and calculate ratios with deal-specific add-backs.
No golden record across amendments
Critical deal knowledge fragments across document versions. No single source of truth linking the original agreement to every amendment and restatement.
What Smartflow Does
Full Lifecycle Coverage
Onboarding, drawdowns, amendments, repricings, covenant tests — every credit event extracted and structured.
Amendment-Aware Golden Record
Clause-level document comparison with version tracking and supersession logic. One governed source of truth.
Evidence-Linked Outputs
Every extracted field linked to its source clause, every review action timestamped. Complete audit trail.
Deploys in Your Perimeter
Your data never leaves your environment. No cross-bank commingling. Data sovereignty by design.
What That Unlocks
Deal Velocity
Onboarding in hours, not weeks. Servicing events processed in minutes.
Audit-Ready Outputs
100% field-level lineage and evidence-linked workflows.
Ops Capacity Freed
3+ FTE equivalents freed per year for a mid-size syndicated loans desk.
Covenant Compliance in Days
From 45-day manual cycles to automated extraction, calculation, and breach detection.
Platform
Onboard. Service. Monitor. One platform.
Five modules, one AI & Agentic Workflow Engine — deployed once, on your infrastructure. Start with credit onboarding and servicing. Expand across the full credit lifecycle.
⚡
Credit Onboarding & Servicing
Full credit event lifecycle — onboarding, drawdowns, amendments, repricings. Document extraction, amendment-aware recordkeeping, and LMS integration.
Module details →🛡
Compliance & Risk
Covenant monitoring, waiver workflows, and risk alerting. Automated ratio calculation with amendment-aware versioning and breach detection.
Module details →📊
Deal Monitoring (ESG & Project Finance)
Use of Proceeds tracking, ESG KPI calculation, sustainability performance targets, and automated impact reporting for green lending.
Module details →🧠
Portfolio Intelligence
Concentration risk monitoring, benchmark term comparison, covenant health dashboards, and early warning across your full credit book.
Module details →📚
Knowledge & Governance Hub
Searchable deal library, clause precedent management, document governance, and AI-powered institutional knowledge.
Module details →Integrations
Native to your existing stack. No custom middleware.
Smartflow's extraction output pushes directly into Finastra Loan IQ without custom middleware — making deployment fast and operationally clean. Fully compatible with traditional booking systems and digital asset venues.
🏦Finastra Loan IQ
☁Microsoft Azure
🔐Euroclear
🌐SWIFT
💠Circle / USDC
🔷Fireblocks
⚙API / SFTP
📋Legacy LMS
Built by Marketnode
Global Digital Market Infrastructure — backing Smartflow
Marketnode is a market infrastructure operator backed by leading institutional investors and global banks — powering digital capital markets infrastructure. In partnership with Euroclear and Microsoft, Marketnode delivers enterprise-grade AI solutions for financial services. Smartflow is built on this foundation, inheriting bank-grade credibility and deep domain expertise.
Clients include: BNY · BNP Paribas · DBS · HSBC · Maybank · OCBC · State Street · UOB
Institutional Backers
Temasek
Global institutional investor
SGX Group
Exchange operator and market infrastructure
Euroclear
Global clearing and settlement · AI co-development partner
HSBC
Global commercial banking network
Technology Partners
Finastra
Smartflow connects to Fusion Loan IQ via Nexus Build
Microsoft
Azure AI Foundry · M365 Copilot · Marketplace listed
Get Started
Start with your own documents. 8 weeks to measurable outcomes.
We scope every pilot to your highest-volume use case — with measurable outcomes you can take to your leadership team. No commitment beyond the pilot.
Typical pilot: 8–12 weeks · Scoped to your highest-volume use case · No data leaves your perimeter