AI harness for private credit

Infrastructure for credit markets.

CreditMarkit is an AI harness for private credit. It ingests a company's financials and documents, evaluates the deal against a lender's mandate, and produces the underwriting work — so capital moves on evidence instead of proximity.

Try the Demo See how the harness works

Illustration: documents are stacked on a platform, carried by channels into a glass reconcile engine, and emerge as a standing credit memo beside a row of ratio bars.

01 · ReadsStatements, tax returns, and operating documents across multiple years.

02 · EvaluatesEach deal tested against one lender's mandate, structure, and appetite.

03 · UnderwritesCredit memos and diligence answers, every figure traced to its source.

Illustrative run

Harness run / CM-1042 Illustrative

01
Ingest
6 documents · FY2023–FY2025
complete
02
Extract
Statements normalized to one schema
complete
03
Validate
Tie-outs, ratio engine, anomaly flags
complete
04
Evaluate
Tested against Atlas Credit mandate
in review
05
Underwrite
Memo draft, diligence Q&A, covenant tests
queued

Validation

✓Assets = liabilities + equity tied

✓Net income ties to cash flow tied

✓Revenue series, 3 periods consistent

!Customer concentration 38% flagged

Outputs

Credit memo draft · 12 pp

Diligence Q&A 24 answers · cited

Covenant tests 4 modeled

Illustrative run. Company, figures, and lender shown are sample data — not a live CreditMarkit customer.

$1.7TPrivate credit market, and growing

Source-tracedEvery figure in a memo cites its source document

Reconcile onceDecisions made on one sourced record, not three versions

Illustration: a figure of $48.0M lifted out of a highlighted row on page 2 of an income statement, with a passed check beside it.

Traceability

Every number answers to a document.

A memo is only as good as the trail behind it. Each figure in a CreditMarkit memo carries the source it came from and the check that validated it — and the ones that didn't pass get flagged instead of smoothed over.

See the four layers

Memo extract / Northstar LogisticsIllustrative

MetricValueSourceCheck

Revenue · FY2025 $48.0M income_statement_FY2025.pdf · p.2 Ties to cash flow

EBITDA $7.2M Operating income + D&A, recomputed Margin recomputed

Total assets $31.4M balance_sheet_FY2025.pdf · p.1 A = L + E

Fixed-charge coverage 1.9x Computed from validated series Above 1.25x minimum

Customer concentration 38% Management materials · account schedule Flagged for review

Illustrative. Figures, documents, and companies shown are sample data used to demonstrate the harness output format.

The harness

One system. Four layers.

A harness is the structure around a model: the schemas, checks, and evidence rules that make its output usable in a credit decision. CreditMarkit runs the same harness on every deal, in the same order, against the same standard.

L1Ingestion

Reads the documents a business already has, in the form they already exist.

Given: Financial statements, tax returns, debt schedules, and management materials
Emits: Normalized statement set · one schema · multi-year series

L2Validation

Checks the statements against themselves before anyone reads a number.

Given: Extracted line items, period over period
Emits: Tie-out log · balance checks · recomputed margins · anomaly flags

L3Evaluation

Tests the deal against one lender's mandate — not a generic credit score.

Given: Validated financials plus the lender's stated mandate and structure
Emits: Fit read · structure options · the questions that decide it

L4Underwriting

Assembles the work product a credit committee actually reads.

Given: Fit read plus the full evidence trail
Emits: Credit memo draft · diligence Q&A · covenant tests · source citations

Try the Demo

The marketplace

Both sides, one record.

CreditMarkit is still a marketplace that connects businesses with capital. What changes is what sits between them: a shared, sourced record of the deal that both sides can stand on.

Business / borrower

Tell the story once

01Submit financials and documents in the form you already keep them
02Get a profile built from validated numbers, not re-keyed spreadsheets
03Answer each lender's diligence questions once, with evidence attached
04See what actually drives the decision instead of guessing at it

Joining the waitlist stores an email — no financial data is collected from this site.

For businesses

The harness

Does the work between

01Normalizes and validates every period of the statement set
02Tests the structure against the specific lender's mandate
03Writes the memo, the Q&A, and the covenant tests
04Cites the source document behind every figure it reports

The harness is the same on every deal. The mandate is the lender's.

The four layers

Lender / allocator

Decide on evidence

01See opportunities filtered to your stated mandate and appetite
02Read memos where every number traces back to a document
03Ask diligence questions once and keep the answers on record
04Spend your time on judgment instead of assembly

CreditMarkit prepares the work. The lender makes the decision.

For direct lenders

Who it's for

Three ways in. One check.

Businesses seeking capital Funds and direct lenders Advisors running the process

Businesses seeking capital send statements, notes, and a debt schedule. What comes back is a lender-ready record where every figure cites the page it came from. See the borrower view →

Funds and direct lenders send a package and its spread. What comes back is a ranked list of cited exceptions, each one reproducible without trusting us. See the allocator view →

Advisors running the process send client material. What comes back is one reconciled record that survives every lender’s review, not a fresh rebuild per conversation. See the advisor view →

Early access

Driving Efficiency in Credit Markets

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