Audit-ready credit reports, drafted from the filing
Extract leverage, covenants, and management commentary from filings into structured, citation-linked reports in under an hour.
The manual pull, automated
What changes when extraction and drafting stop eating the review.
How it works
From filing to review-ready report, in three steps.
Drop the filings
Add the 10-K, credit agreement, and supporting filings. Needl.ai ingests and indexes them in minutes.
Auto-extraction
Leverage, coverage, covenants, and commentary are pulled into a structured, review-ready format.
Drafted in your template
A first-draft report is generated in your house format, every figure citation-linked to its source.
A rating is only as strong as the evidence behind it. Needl.ai keeps every figure one click from its source.
Built for the work
What makes it trustworthy on a real credit desk.
Source-grounded extraction
Pulls exact figures and clauses from filings, no manual keying, no transcription error.
Audit-ready by design
Each claim links to its source document and page, so committees and auditors verify in one click.
Your house template
Reports come out in your existing format, ready to refine, not rebuild.
Consistent across analysts
Methodology and prior reviews keep ratings consistent across the team and over time.
Red-flag detection
Surfaces covenant pressure and deterioration with a trust score, not just a summary.
Hours, not days
What took most of a week is drafted in under an hour.
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Put this workflow to work
See it run on your own data, in your environment.