Automate your SBA underwriting workflow
Stop manually spreading financials into Excel. Upload tax returns, P&Ls, and debt schedules - get an interactive pro-forma with DSCR, EBITDA, and global cash flow computed automatically, every number traced to its source page.
An assembly line with inspection stations
Documents go in one end; a verified, traceable credit spread comes out the other. The AI never does arithmetic and never invents a value - anything uncertain is pulled off the line and shown to a human.
Fingerprint & scan
Every upload is SHA-256 fingerprinted and security-screened in-house before anything reads it. Borrower documents never leave the platform, even for virus scanning.
Four disciplines, zero guesswork
Each one answers a question a credit committee will actually ask - and each one exists because we watched its absence fail.
The AI never does math - it classifies and locates; it cannot invent a number
Two readers must agree - to the exact cent, or a human decides
Geometry, not list order - values bind to their cell on the page
One engine, integer cents - the screen, the export, and the audit log cannot disagree
0.0%
field precision on real borrower documents, scored to the exact cent
100%
precision on tax forms, including scans
0
wrong values past human review, ever
270
hand-labeled fields in the golden corpus
The system reads about two thirds of labeled fields on its own; the rest go to a human with the source page attached. Measured on our hand-labeled corpus of real documents only - synthetic fixtures are barred from accuracy claims by code, not policy. (July 2026 evaluation.)
Click any number. See where it came from.
An exam is a series of 'where did this number come from' questions. Credexis is a machine for answering them.
Source on every value
Document, page, and the exact rectangle on the page. One click renders the source with the region highlighted.
Overrides never erase
A correction is a new record with the reviewer's name on it, layered over the original with one-click revert. Decision-time state is always reconstructable.
A log that cannot be quietly edited
Every change is journaled by the database and hash-chained. One click verifies the chain and names the first break, if any.
1125-E · page 1 · method: consensus · conf 0.97
Document checklist
Workspace Opco LLC
Stop chasing documents
The borrower clicks an emailed link, types their email, and sees one plain page: what to send, what arrived, what the loan officer asked for. No account, no password, no jargon.
The checklist ticks itself
The pipeline reads each upload, recognizes which form it actually is, and marks the requirement satisfied. The borrower's word is never the source of truth.
Chasing, automated
One polite reminder listing only what is still missing. Dead invitations expire themselves. Revoke cuts access mid-click.
A one-way valve
Of the 108 access rules in our database, a borrower's login can reach exactly two - both scoped to their own upload folder. Proven by 42 attack scenarios that run on every code change.
What lands in your credit file
Not a black-box score - the actual work product: a verified spread, a banker-grade workbook, and the audit trail behind every number.
- Six-tab Excel workbook in your bank's own branding
- Live DSCR formula in the sheet, engine-authoritative value alongside
- Every export stamped with the engine version and SBA policy-pack version that produced it
Append-only history
Overrides layer, never erase
Hash-chained log
Become a founding design partner
The verified-spread engine is built and measured. We are onboarding a small group of SBA lenders to shape the rest - with founding pricing locked for two years.
Form 1120-S
Form 1120
Form 1065
Form 1040
Schedule 1
Schedule C
Schedule E
K-1 (1120-S)
K-1 (1065)
Form 4562
Form 8825
Form 1125-E
W-2
P&L Statements
Balance Sheets
Debt Schedules
IRS Transcripts
Form 1120-S
Form 1120
Form 1065
Form 1040
Schedule 1
Schedule C
Schedule E
K-1 (1120-S)
K-1 (1065)
Form 4562
Form 8825
Form 1125-E
W-2
P&L Statements
Balance Sheets
Debt Schedules
IRS Transcripts
Form 1120-S
Form 1120
Form 1065
Form 1040
Schedule 1
Schedule C
Schedule E
K-1 (1120-S)
K-1 (1065)
Form 4562
Form 8825
Form 1125-E
W-2
P&L Statements
Balance Sheets
Debt Schedules
IRS Transcripts
The documents SBA files are made of
13 IRS form families, each verified against the printed form for every tax year from 2020 through 2025 - because the IRS renumbers lines, and wrong-line extraction is how spreads quietly go wrong. Plus the statements around them.
Get Early AccessWhy we built Credexis
An SBA finance specialist and an AI engineer who lost too many weeks to manual spreading - and learned what correctness costs the hard way.
Deterministic by design: the AI never touches the math
2 readers
must agree to the cent before a value is accepted
0
silent wrongs in every evaluation on real documents
"Most AI tools guess at numbers. We went the other way - AI classifies and locates, and every dollar amount is read mechanically or by a person. Bank-grade means provable."
Pratik Chaudhari
Co-Founder, SDE & AI
Security your reviewers can verify
Tenant isolation, adversarially tested
Row-level security on every table, deny by default - proven by 76 impersonated-attacker scenarios that run against the real schema on every code change.
A tamper-evident audit log
Every change is journaled by database triggers and SHA-256 hash-chained per tenant. Admins verify the chain themselves, in the product, one click.
Borrower data stays inside
Uploads are security-screened in-house - no third-party scanning APIs. No AI vendor sees a real tax document until its zero-data-retention posture is confirmed in writing.
SOC 2 controls operating
Quarterly access reviews, PR/CI change management, and a subprocessor register run today. The formal audit is scheduled with our first bank pilot.