# vishwa.ai

> vishwa.ai is an AI-native underwriting OS for regulated credit. It runs the credit workflow end to end, from document intake and financial spreading through risk analytics, credit memo generation, and portfolio monitoring, for private credit funds, commercial and community banks, CRE lenders, and private equity firms. Every output links back to its source documents for a 100% audit trail. Its computer-vision document AI reads scanned and handwritten financials, bank statements, stock statements, and rent rolls. The AI extracts, and experts verify. vishwa.ai is a mature, proven product used by large enterprises across US banking and private credit.

## Start here

- [Underwriting OS](https://vishwa.ai/underwriting-os): What an underwriting OS is and how vishwa.ai runs the full credit workflow.
- [Home](https://vishwa.ai/): Underwriting OS for regulated credit. Overview and outcomes.

## Products

- [LendingAI](https://vishwa.ai/products/lendingai): Underwriting OS: document intake, spreading, risk analytics, credit memos, portfolio monitoring.
- [DocsAI](https://vishwa.ai/products/docsai): Intelligent document processing. Extract structured data from any document, including scanned and handwritten.
- [InsightsAI](https://vishwa.ai/products/insightsai): Planning and forecasting for finance, sales, and demand.

## Solutions by segment

- [Private credit](https://vishwa.ai/solutions/private-credit): Spreading, leverage metrics, investment memos, and covenant monitoring for direct lenders and credit funds.
- [Commercial banks](https://vishwa.ai/solutions/commercial-lending): Automate the back-office credit flow: DSCR, debt yield, global cash flow, and credit memos.
- [Community banks](https://vishwa.ai/solutions/community-banks): Underwriting automation for lean credit teams: global cash flow, CRE concentration, examinable files, and credit memos, alongside your core.
- [Commercial real estate (CRE)](https://vishwa.ai/solutions/cre): Rent roll and operating-statement extraction; NOI, cap rate, DSCR, debt yield, and LTV.
- [Private equity](https://vishwa.ai/solutions/private-equity): Diligence, IC reporting, and portfolio monitoring: spread targets, draft the IC memo, produce IC and LP reporting.

## Learn

- [What is an underwriting OS?](https://vishwa.ai/learn/what-is-an-underwriting-os): Definition, components, and how it differs from point tools and spreadsheets.
- [What is outcome-as-a-service in lending?](https://vishwa.ai/learn/what-is-outcome-as-a-service-in-lending): Delivering the finished credit work product, not just software.
- [What is IDP for lending?](https://vishwa.ai/learn/what-is-intelligent-document-processing-for-lending): How computer vision extracts data from financial documents.
- [What is automated credit memo generation?](https://vishwa.ai/learn/what-is-automated-credit-memo-generation): Drafting credit and investment memos from source documents.
- [AI vs manual underwriting](https://vishwa.ai/learn/ai-underwriting-vs-manual-underwriting): How AI underwriting compares on speed, consistency, auditability, and risk.

## Glossary

- [Credit & underwriting glossary](https://vishwa.ai/glossary): Plain-language definitions: DSCR, NOI, cap rate, debt yield, EBITDA, LTV, spreading, credit memo, covenant monitoring, global cash flow.

## Company

- [Security & compliance](https://vishwa.ai/security): SOC 2 Type II, ISO 27001, GDPR, CCPA; data residency and private deployment.
- [Enterprise](https://vishwa.ai/enterprise): Custom and private deployments for regulated institutions.
- [Pricing](https://vishwa.ai/pricing): Plans across the product suite.
- [Book a demo](https://vishwa.ai/book-a-demo): Talk to the team about your credit workflow.