Bashi | AI for credit

	FY2023	FY2024	FY2025	3-yr
Revenue ($ m)	38,400	44,900	52,600	+37%
Gross margin	21.4%	19.8%	18.1%	−3.3 pts
EBITDA margin	11.2%	10.1%	8.9%	−2.3 pts
Net margin	6.0%	5.1%	3.8%	−2.2 pts

Built for the way a credit committee reads a file.

Ask the deal file

Plain-language questions across statements, contracts, invoices and spreadsheets, in any language. Answers arrive with their sources attached, so nobody has to take Bashi's word for it.

Spread the financials

Figures extracted from scanned statements and spreadsheets and laid out in your template. Each cell keeps a link to the line it was read from, so a reviewer can check any number in one click.

Check against policy

Each deal is tested against your credit policy and the loan agreements as written. The result is a list of flags with reasons your committee can argue with, not a score nobody can explain.

Draft in your format

Committee memos and models in the layout your institution already uses. Analysts edit the draft rather than start from a blank page, and every edit is kept.

Keep the trail

Every extraction, answer, draft, edit and override is logged with who did it and when. Risk and compliance can export the record. Corrections feed back into how accuracy is measured.

Agents

Repeatable tasks your team configures once: quarterly covenant reviews, annual reviews, KYB refresh. Bashi runs them across the book and brings back what needs a person.

Chat · scoped to Halcyon Foods Ltd · 19 documents

Which facilities have covenant tests due before the end of the quarter?

Three. Northgate Logistics (DSCR, tested 30 Sep)facility agmt §9.1, Ardent Steel (leverage, 30 Sep)facility agmt §11 and Crescent Pharma (current ratio, 15 Sep)facility agmt §8.2.

Northgate is the one to watch: DSCR was 1.12× on Q2 management accounts against a 1.30× covenant. Shall I draft the early-warning note?

Every citation opens the page it points to

Spread · Halcyon Foods · $ m

	FY23	FY24	FY25
Revenue	38,400	44,900	52,600
Gross margin	21.4%	19.8%	18.1%
EBITDA	4,301	4,535	4,681
Net debt	6,200	8,900	10,400
Debtor days	48	52	61
DSCR	1.31×	1.48×	1.62×
Top debtor share	28%	30%	31%

Dotted figures link to the source pageConfirmed 14 of 18 cells

Policy checks · credit policy v4 · facility agreement

Check	Result
DSCR ≥ 1.30×	1.62×	Pass
Debtor days ≤ 45	61	Flag F-02
Top debtor ≤ 35% of book	31%	Pass
Audited accounts < 12 months	14 months	Stale
Tax clearance valid	Expired Jun	Flag F-03
Signatories match registry	2 of 2	Pass

Each flag carries the clause it was tested against

Credit memo · section 5 · Recommendation · house format v3

Approve a $5.0m revolving credit facility, 12 months, subject to:

(i) updated management accounts to Jun-26;

(ii) renewed tax clearance certificate before first drawdown;

(iii) top-debtor concentration reviewed quarterly against the 35% limit.

Draft v3Edited A. Morgan, 2 changesReviewer S. Lin

Audit trail · Halcyon Foods

16:02Revenue FY25 extracted: 42,612,004 · audited_accounts_FY25.pdf p.14

16:02Debtor days computed: 61 · debtor_ageing_jun26.xlsx

16:03Flag F-02 raised · policy §4.2 · debtor days > 45

16:05Memo v3 drafted · house format · 6 sections

16:11A. Morgan edited §3 · "driven by export volume" → "driven by volume growth with new retail customers"

16:14Memo v3 sent to S. Lin, Head of Credit

16:31S. Lin approved with 1 condition · committee Thursday

Agent · Quarterly covenant review · commercial book

~~Collect Q2 management accounts for 118 facilities~~

~~Extract covenant inputs and compute ratios~~

Test each facility against its agreement

Raise flags and draft early-warning notes

Route items needing a decision to the RM

Progress 71 of 118 testedFlags so far 3

Every lender.
Every market.

The same platform underneath. The workflow, rule set and house format built around your desk.

Corporate & commercial lending

Oval wooden boardroom table

The group never quite adds up

Audited accounts, management accounts, group structure charts and intercompany balances rarely line up. Bashi consolidates across the group, shows where audited and management figures diverge, and surfaces related-party exposure the file mentions but never totals.

Trade & working capital finance

Bright meeting room, wooden table

The economics do not cover the paperwork

Invoices, bills of lading, purchase orders, debtor ageing and insurance policies, per transaction, at a margin that does not pay for a human to check them. Bashi matches invoice to shipping document to debtor limit and flags what does not reconcile.

Asset-based & structured finance

Beige conference table, daylight

Eligibility is a clause, not a column

Borrowing base certificates, collateral schedules and servicer reports, against eligibility criteria buried in the agreement. Bashi tests the pool line by line, reconciles the servicer report to the schedule, and shows you the clause each exclusion came from.

Real estate finance

Long wooden table, glass wall

Three documents, three different numbers

Valuation, rent roll, leases and cost report rarely agree. Bashi reconciles the rent roll to the underlying leases, checks the valuer’s assumptions against what the leases actually say, and traces every LTV and ICR input to its page.

Project & infrastructure finance

Long table with chairs, white room

The risk is spread across a thousand pages

Concession agreement, EPC and O&M contracts, offtake, independent engineer’s report and the model. Thousands of pages, and the risk allocation is spread across all of them. Bashi answers who bears which risk, with the clause.

Elevate your credit desk

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