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.
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.