Smartflow aligns operations outcomes, compliance assurance, and IT control requirements in one platform — so every stakeholder gets the answer they need.
Every role in the bank buying committee has different concerns. Smartflow maps each to concrete, measurable outcomes.
Manual extraction, 45-day covenant test cycles, FTE-heavy amendment processing across 40–80 drawdowns and 200–400 notices per month
Under 5-minute extraction, covenant tests in days not quarters, 3+ FTE equivalents freed per year
Fragmented systems, no canonical data model, no API-first infrastructure for credit operations
Single platform with structured data architecture, native Loan IQ push, API/SFTP extensibility
Every credit event — drawdowns, amendments, repricings — processed manually with no clause-level tracking
Clause-level document comparison, amendment-aware recordkeeping, event-driven processing
Covenant tracking in spreadsheets, 45–60 day lag on compliance tests, no portfolio-wide visibility
Automated covenant testing, near-breach early warning, portfolio covenant health dashboard
No audit trail, manual compliance reporting, fragmented documentation across amendments
100% field-level lineage, human-in-the-loop controls, evidence-linked audit-ready outputs
POCs that don't scale, no production-grade AI for credit ops, multi-model orchestration gaps
95%+ post-HITL accuracy, agentic workflow engine, multi-model AI orchestration in production
Extract 200+ fields from 500-page APLMA/LMA agreements — borrower, facility, pricing, conditions precedent, and party data. Human-in-the-loop review routes low-confidence fields before Loan IQ push.
Process drawdown notices, repricings, amendments, and refinancings. Clause-level comparison detects every change across document versions — wording variations, renumbering, added/removed clauses.
Extract financial data from compliance certificates and borrower financials. Map to covenant definitions across amendments. Calculate ratios automatically. Flag breaches and near-breaches with full provenance.
Track Use of Proceeds against ICMA-aligned categories. Calculate sustainability performance targets. Generate automated impact reporting for green, social, and sustainability-linked loans.
Monitor covenant compliance across the full credit book. Heatmap of exposures by industry, rating, and geography. Early warning for borrowers trending toward breach.
Searchable repository of closed deal files indexed by structure, borrower profile, and clause type. New analysts query similar deals to understand conventions and pricing.
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.