Integrations
Locus delivers complete commercial underwriting. Spreads, analysis, and credit memos, built on your policies and reviewed by expert credit analysts.
See a live walkthrough on one of your own deals. No commitment required.
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Send us the borrower documents. We return a complete, committee-ready package that follows your credit policy on every deal.
AI spreads financial statements, applies policy-based remapping, and evaluates every qualitative and quantitative factor against your bank's own credit policy. Pass, watch, and fail criteria are yours, not a template's.
Analysts work alongside a statement copilot that reworks spreads on command and stages every change for approval. Nothing moves forward without a person signing off.
Every figure in the credit memo traces back to the exact row, calculation, and source document that produced it. Committee review and audit become a click, not an archaeology project.
Fixed Charge Coverage · Exceptional. The fixed charge coverage ratio is 1.61×, supported by adjusted EBITDA of $2.74BN and capex of $680.8MM. Cash taxes total $1.02BN.
Leverage · Exceptional. Current leverage sits at 0.00× with funded debt of $0, a debt-free capital structure.
Accelerated by AI agents trained on your policies and process to deliver results significantly faster, at lower cost than other solutions.
No hourly billing. With fixed, outcome-based pricing, we align our incentives and SLAs with your needs.
Our agents don’t run on generic rules. They run on a context map built from how your bank actually underwrites.
Your credit policy is encoded directly into the agent, so every spread, remap, and ratio follows your rules, not a template.
The step-by-step procedures your analysts follow today become the workflows the agent executes, in the same order and format.
Pass, watch, and fail thresholds are set to your standards, so ratings and recommendations land the way your committee expects.
We sit with your credit team, review your policies, SOPs, and past deals, and map exactly how your bank underwrites.
The platform is configured to your standards by your own Locus Engineer, and validated against deals your team has already completed.
Submit deals and receive expert-reviewed, committee-ready output in under 24 hours. Every correction makes the agent better on your book.
Book a demo and we’ll walk through a live underwrite, from documents to committee-ready memo.
Thank you. We’ll be in touch shortly.