Product Tour

Learn. Analyze. Apply.

Credit Cheat Sheet: guidance beside your analysis

New to credit? Follow a seven-step workflow and use the Five Cs to connect borrower facts with repayment risk. Experienced analyst? Keep formulas, interpretation notes, red flags and diligence prompts close at hand while reviewing unfamiliar or more complex situations. The searchable Credit Cheat Sheet—shown in the app as the Credit Analysis Field Guide—brings these references into the same workspace.

Explore the relationships behind the formulas

The Formula Lab lets you change fictional inputs for coverage, liquidity, leverage, CRE and the cash conversion cycle. The Ratio Library explains what each measure does, how to read it and what to watch for, with links to related underwriting schedules. Evidence checklists help frame follow-up questions. Formula Lab examples are educational and are not saved to a deal; current policy and professional judgment still govern.

Active Underwriting: connect statements, ratios and cash flow

Spread up to five financial periods for an entity, with separate inputs, assumptions and calculated results. Compare liquidity, leverage, profitability, cash conversion and working-capital needs. Linked UCA calculates direct and indirect operating cash flow from adjacent statement periods, with documented analyst adjustments and debt service. It shows cash available for debt service, not a full investing, financing or cash-account reconciliation.

Test resilience before writing the conclusion

Explore rate shocks, revenue declines, expense increases, combined stressed coverage and break-even headroom. Use the illustrative six-factor risk tool and focused calculators to challenge assumptions, then document the reasoning in your credit narrative. These tools support analysis; they do not assign an institution-approved risk grade or make a lending decision.

For bank and credit-union teams

Credit analysts can develop spreads and cash-flow analysis; portfolio managers can revisit repayment and covenant questions; lenders and personal bankers can prepare more informed borrower discussions. Credit officers can examine assumptions, downside cases and the credit narrative. SBA teams can use relevant commercial-credit schedules alongside their separate program eligibility, documentation and policy reviews.

For independent professionals and business decision-makers

Independent credit consultants, professionals starting a financial practice and financial firms can organize authorized client analysis and explain findings. Business owners can explore debt capacity and the financial questions a lender may ask. Investors can examine operating cash flow, leverage and downside assumptions as part of their own diligence. Select the tools appropriate to your expertise, transaction and permitted use.

Each authorized user works in a local Windows workspace. Review planned Individual and Institutional license scope and user limits.

Explore the genuine source interface previews below. All borrower examples are fictional. Open an image for a closer look.