AI underwriting for private credit
The workflow, in one system
- 1
Collect
- 2
Spread
- 3
Analyze
- 4
Draft the memo
- 5
Monitor
The problem
What slows private credit down
Spreading is manual and slow
Analysts re-key financials from PDFs and scans into spreadsheets, deal by deal, with inconsistent definitions across the team.
Memos take days, not hours
Pulling the analysis together into an investment memo is a copy-paste exercise that delays credit committee.
Monitoring is reactive
Covenant breaches and credit deterioration surface late because portfolio reporting is tracked in scattered spreadsheets.
No consistent audit trail
When LPs or auditors ask how a number was derived, reconstructing it from email threads and files is painful.
How it works
How VisibleSignal automates it
- 1
Collect
Borrowers and deal teams upload documents; VisibleSignal auto-categorizes them against a configurable checklist and tracks what's outstanding.
- 2
Spread
AI extracts and standardizes financials, bank statements, and tax returns; experts verify exceptions. Your spreading template, applied consistently.
- 3
Analyze
EBITDA, leverage, fixed-charge coverage, and liquidity metrics computed to your definitions, with drill-down to the source line item.
- 4
Draft the memo
An investment memo is generated from the spread figures and source documents, in your format and to your credit policy.
- 5
Monitor
Periodic reporting is ingested automatically; covenant compliance and key-metric drift are tracked with early-warning signals across the book.
Outcomes
Same rigor, a fraction of the time
- 75%
- faster from document collection through credit committee
- 100%
- audit trail, with every output linked to its source document
- Weeks
- to go live; VisibleSignal adapts to your existing framework
Frequently asked questions
What is an underwriting OS?+
An underwriting OS runs the whole credit workflow in one place: document intake, financial spreading, risk analytics, credit memo generation, and portfolio monitoring. Instead of moving a deal between a data room, three point tools, and a stack of spreadsheets, you run it in one system. VisibleSignal applies your underwriting framework and credit policies the same way on every deal, and every output ties back to the source document it came from.
Is AI underwriting auditable and explainable?+
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. VisibleSignal applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?+
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation. Credit businesses run up to 86% straight through, with people focused on the cases that actually need judgment rather than re-keying a T-12 into Excel.
How does VisibleSignal support private credit underwriting?+
For private credit we handle document collection, spread financial and bank statements (including scans and handwriting), compute EBITDA and leverage, draft the investment memo, and monitor covenant compliance across the portfolio. Deal teams close up to 75% faster, and the full audit trail holds up with your LPs and auditors.
Does VisibleSignal have customers?+
Yes. VisibleSignal runs in production at large enterprise clients across banking and private credit. Most of them prefer that we do not name them publicly, so we keep those relationships confidential. The product is mature and proven in the US market, and we are glad to walk through relevant, anonymized references under NDA on a call.
Who uses vishwa.ai?+
Large banks and private credit firms use VisibleSignal for live underwriting and portfolio monitoring. We do not publish a client list because our customers prefer to keep their use of the platform confidential. It is an established, production grade system in regulated US lending, not a pilot.
Can you share customer references or case studies?+
Our enterprise clients in banking and private credit prefer to stay anonymous, so we do not post named case studies. We can take you through real, anonymized outcomes and arrange references under NDA during a demo. VisibleSignal is a proven product in the US market, with enterprise deployments already in production.
Is VisibleSignal proven, or is it early-stage?+
VisibleSignal is a mature, production grade platform used by large enterprises across US banking and private credit. It is not a pilot stage tool. We keep client names confidential at their request, but the product is proven at scale in regulated US lending.
Underwrite private credit deals faster
Bring a live borrower package and see VisibleSignal spread it, analyze it, and draft the memo, with a full audit trail.
