C&I loan underwriting automation for commercial lenders
vishwa.ai spreads financial statements, itemizes EBITDA add-backs, computes leverage, DSCR, and fixed charge coverage, and drafts the credit memo.
Documents received
- Financial statements, 3 yearsSpread
- Interim statements and management accountsSpread
- Business and personal tax returnsSpread
- Receivable and payable agingsSpread
- Business bank statementsSpread
- Guarantor financial statementsSpread
Computed for the memo
Exceptions verified by our credit experts
Every figure links to its source line. Your credit team makes the decision.
Sample borrower: industrial distributor, revolver and term loan
| Line item | FY2024 | FY2025 |
|---|---|---|
| Net income | 1,420,0001 | 1,610,0002 |
| Interest expense | 310,0001 | 295,0002 |
| Income taxes | 380,0001 | 445,0002 |
| Depreciation and amortization | 520,0001 | 560,0002 |
| EBITDA | 2,630,000 | 2,910,000 |
| Owner compensation above market | 150,0003 | 150,0003 |
| One-time legal settlement | 85,0004 | |
| Adjusted EBITDA | 2,780,000 | 3,145,000 |
| Total funded debt | 6,950,0001 | 7,400,0002 |
| Total leverage | 2.50x | 2.35x |
Same rigor, a fraction of the time
With a full audit trail your auditors, examiners, and LPs can inspect.
- Faster deal closure
- 75%
- Reduce time from document intake to credit committee
- Accuracy with expert review
- 100%
- AI extracts, domain experts verify every output
- Audit trail coverage
- Full
- Every decision linked to source documents
The problem
Where C&I underwriting loses time
How it works
How vishwa.ai automates it
The analysis
The numbers on the credit memo
Frequently asked questions
Still deciding? Talk to our team.
Does vishwa.ai handle audited, reviewed, and compiled financial statements?
Yes. Audited, reviewed, compiled, and tax-basis statements, interims, and management accounts are all mapped to your chart of accounts and spread on your template, whether they arrive as PDFs, spreadsheets, or scans.
How does vishwa.ai handle EBITDA add-backs?
Every add-back is itemized and linked to the statement or return line it came from. Which adjustments count is set by your credit policy, so the same rules apply on every borrower, and a reviewer can see each one.
Can vishwa.ai support annual reviews and line of credit renewals?
Yes. New statements are spread on the same template, compared with the prior year, and tested against the loan covenants. Drift in leverage, coverage, or working capital is flagged before the renewal comes up.
Does vishwa.ai compute fixed charge coverage and leverage?
Yes. Fixed charge coverage, DSCR, and senior and total leverage are computed to your credit policy's definitions, at closing and at each covenant test date, with the inputs to each ratio visible.
Is AI underwriting auditable and explainable?
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. Vishwa AI applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation, with people focused on the cases that need judgment rather than re-keying a T-12 into Excel.
Keep exploring
Related
Spread a C&I borrower on a call
Bring three years of statements and the latest interims. We will spread them, normalize EBITDA, and draft the credit memo, with every add-back sourced.
