Solutions · Banking
End-to-end SME loan automation.
From application package to credit decision without manual data entry. Nace ingests borrower financials, bank statements and tax returns in any format, spreads them automatically, and produces a data-backed credit memo where every number traces to its source page.
Why now
The end of manual spreading.
Credit analysts spend countless hours wrestling with messy borrower files while transaction volumes outgrow what manual review can handle. Drop in the raw financial data and let the agent instantly map, structure and compute the outputs your credit policy requires — with real-time validation across the whole portfolio.
Capabilities
What the agent does for your team.
Automated financial spreading
Financial statements, bank statements and tax returns become schema-clean data with cell-level grounding — no re-keying.
- Dense-table extraction across formats and scan quality
- Cross-document entity resolution per borrower
- Spreadsheet-native ingestion, not screenshots
Instant, data-backed modeling
Generate robust financial models from five years of historical data with absolutely zero manual entry — boardroom-ready in minutes.
- Cash-flow and ratio analysis per credit policy
- Financial Health Report per applicant
- Consistent treatment across every application
Completeness and consistency checks
The agent verifies the application package is complete and internally consistent before it ever reaches an analyst.
- Missing-document detection at intake
- Cross-checks between statements, returns and declarations
- Rapid review of up to 1 GB of documentation per file
Explainable credit decisions
Trace every number. Click any figure in the credit memo to see the exact source document and reasoning chain — full auditability for regulators and credit committees.
- Click-through provenance on every field
- Zero black boxes, total auditability
- Human-in-the-loop approval before decisioning
How it works
From raw files to a finished result.
- 01
Intake the application
Borrower uploads land directly in the pipeline; documents are categorized and checked for completeness.
- 02
Spread and structure
Financials are extracted and spread into your template with grounding on every cell.
- 03
Model and score
The agent computes ratios, cash flow and policy checks, producing a standardized credit memo.
- 04
Decide with confidence
Analysts review a complete, traceable file and route it to approval — in hours, not weeks.
Under the hood
Built on the Nace stack.
Approve SME loans in hours, not weeks.
Automated spreading, instant modeling, and a credit file your committee can trace line by line.