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Intelligent Automation for Finance

Professional Credit
Analysis in Seconds

Turn raw financial data into publication-ready credit analyses and transaction summaries.

Save time and money on every deal
Catch fraud and financial inconsistencies early
Built on 25+ years of Chief Credit Officer expertise
Vasset AI โ€” Credit Analysis
Equipment Finance ยท $875,000Acme Logistics LLC
87
Credit Score / 100
โœ“ APPROVE
DSCR
1.62x
Revenue FY25
$4.24M
Loan Request
$875,000
Financial Metrics
Debt-to-Equity1.8x โ†‘ Improving
Working Capital$412,000
Revenue Trend (3yr)+24% CAGR
Annual Payment$187,500
Personal CreditVery Good โ€” 760
Strengths
Tenure & Stability

9 years continuous ops, growing revenue base

Cash Flow Coverage

DSCR of 1.62x โ€” comfortable debt service

Payment History

No adverse marks โ€” 6 active facilities

Collateral Quality

New equipment, strong secondary market

Flags & Watch Items
๐Ÿšจ
Fraud Alert โ€” Revenue DiscrepancyTax return revenue $3.9M vs. bank deposits $4.24M โ€” $340K gap requires reconciliation before funding.
Concentration Risk

Top 2 clients = 61% of revenue โ€” customer concentration present.

Summary

Strong profile with 9-year tenure and healthy DSCR. Revenue discrepancy flagged โ€” reconcile before funding. Recommend conditional approval.

VASSET AI ANALYSIS REPORTPAGE 1 / 10
10 Scoring Categories โ€” Every Deal Evaluated Across
1๐Ÿ“ŠDebt Service Coverage Ratio
91
2โš–๏ธTangible Net Worth & Leverage
75
3๐Ÿ’งLiquidity & Working Capital
74
4๐ŸขCompany Size & Stability
85
5๐Ÿ”’Collateral Quality
78
6๐Ÿ‘คGuarantor Personal Financial Strength
83
7โœ…Payment History
95
8๐ŸญIndustry Classification
64
9โš–๏ธLitigation & Legal Standing
88
10๐Ÿ“ˆMarket Trends
72
1๐Ÿ“ŠDebt Service Coverage Ratio
91
2โš–๏ธTangible Net Worth & Leverage
75
3๐Ÿ’งLiquidity & Working Capital
74
4๐ŸขCompany Size & Stability
85
5๐Ÿ”’Collateral Quality
78
6๐Ÿ‘คGuarantor Personal Financial Strength
83
7โœ…Payment History
95
8๐ŸญIndustry Classification
64
9โš–๏ธLitigation & Legal Standing
88
10๐Ÿ“ˆMarket Trends
72
โœฆ Features
Powerful Tools.
Built for Deal Makers.

Intelligent tools that work together to close more deals, faster โ€” with the depth of a seasoned credit team.

๐Ÿ“‹
Credit Analysis

Upload financials and receive a fully structured credit analysis in minutes โ€” with ratio calculations, risk scoring, fraud alerts, and a clear recommendation narrative.

  • Automated DSCR, leverage & coverage ratios
  • Weighted 10-criteria credit scorecard
  • Fraud detection & financial inconsistency flagging
  • Approve / Conditions / Decline recommendation
  • Fully formatted, publication-ready output
๐Ÿ“„
Transaction Summary

Generate polished, lender-ready transaction summaries that present your deal professionally and compellingly โ€” beautifully packaged for maximum lender confidence.

  • Deal highlights, principal profiles & financial tables
  • Professional, polished output that builds lender confidence
  • Watch items presented with clarity and context
  • Structured for maximum participant appeal
  • Facts presented clearly โ€” letting a strong deal speak for itself
Request a Free Demo
๐Ÿšจ
Fraud Detection

AI surfaces revenue discrepancies, inconsistent statements, and financial red flags before funding.

โšก
Sub-5-Minute Analysis

What takes analysts 4โ€“8 hours is delivered in minutes. Process more deals, close more business.

๐ŸŽฏ
Consistent Methodology

Every deal scored on the same 10-criteria framework. No missed ratios, no analyst fatigue.

๐Ÿ“Š
Multi-Year Spreading

Automatic extraction and comparison across multiple fiscal years with trends, growth rates, and variance.

๐Ÿ’ฐ
Deal Cost Savings

Eliminate hours of manual work per deal. Scale your volume without scaling headcount.

๐Ÿ†
Lender-Optimized Packaging

Transaction summaries built to sell โ€” professionally framed for maximum participant appeal.

๐Ÿ“„
Publication-Ready Output

Beautiful, polished documents ready to send to lenders, participants, or your credit committee.

๐Ÿš€
Scale Without Limits

Process 1 deal or 100. No bottlenecks, no analyst bandwidth constraints โ€” pure velocity.

๐Ÿ›ก๏ธ
Secure & Confidential

Enterprise-grade security for your most sensitive deal data, compliance-first architecture.

What People Are Saying

Trusted by Professionals

โ˜…โ˜…โ˜…โ˜…โ˜…

"What used to take our team a full afternoon now takes under 5 minutes. The quality is indistinguishable from our best senior analysts."

M
Michael R.
SVP Credit, Equipment Finance Co.
โ˜…โ˜…โ˜…โ˜…โ˜…

"The fraud detection alone paid for itself. Vasset caught a bank statement discrepancy we almost missed on a $1.2M deal."

S
Sarah L.
Chief Credit Officer, Leasing Group
โ˜…โ˜…โ˜…โ˜…โ˜…

"Our lenders love the transaction summaries. Professional, compelling, and always leads with the right strengths. Approval rates are up."

J
James T.
Senior Loan Officer, Commercial Bank
โ˜…โ˜…โ˜…โ˜…โ˜…

"We're processing 3x more deals with the same team. Vasset AI is hands down the best investment we've made this year."

A
Amanda K.
Director of Credit, Finance Group
โ˜…โ˜…โ˜…โ˜…โ˜…

"Finally, consistent methodology on every deal. No more worrying about analyst fatigue or missed ratios on high-volume weeks."

D
David C.
Credit Analyst Manager
โ˜…โ˜…โ˜…โ˜…โ˜…

"The 25+ years of CCO expertise built into this tool is immediately obvious. It thinks like a seasoned credit professional."

R
Rachel M.
VP Underwriting, Equipment Lender
โ˜…โ˜…โ˜…โ˜…โ˜…

"What used to take our team a full afternoon now takes under 5 minutes. The quality is indistinguishable from our best senior analysts."

M
Michael R.
SVP Credit, Equipment Finance Co.
โ˜…โ˜…โ˜…โ˜…โ˜…

"The fraud detection alone paid for itself. Vasset caught a bank statement discrepancy we almost missed on a $1.2M deal."

S
Sarah L.
Chief Credit Officer, Leasing Group
โ˜…โ˜…โ˜…โ˜…โ˜…

"Our lenders love the transaction summaries. Professional, compelling, and always leads with the right strengths. Approval rates are up."

J
James T.
Senior Loan Officer, Commercial Bank
โ˜…โ˜…โ˜…โ˜…โ˜…

"We're processing 3x more deals with the same team. Vasset AI is hands down the best investment we've made this year."

A
Amanda K.
Director of Credit, Finance Group
โ˜…โ˜…โ˜…โ˜…โ˜…

"Finally, consistent methodology on every deal. No more worrying about analyst fatigue or missed ratios on high-volume weeks."

D
David C.
Credit Analyst Manager
โ˜…โ˜…โ˜…โ˜…โ˜…

"The 25+ years of CCO expertise built into this tool is immediately obvious. It thinks like a seasoned credit professional."

R
Rachel M.
VP Underwriting, Equipment Lender
How It Works

From Raw Data to
Lender-Ready in Minutes

No complex setup. No technical training required. Upload and let Vasset AI handle the rest.

01
๐Ÿ“

Upload Your Data

Drop in tax returns, bank statements, P&L or balance sheets. Vasset AI reads and processes everything โ€” no manual data entry required.

02
โšก

AI Does the Work

Every ratio calculated, 10 criteria scored, fraud flags detected, and the full narrative drafted โ€” all in under 5 minutes.

03
โœ‰๏ธ

Review & Send

Receive a polished, publication-ready analysis. Review, refine if needed, and send directly to your lender or credit committee.

Start Analyzing Deals in Seconds

The Smartest Move
for Your Credit & Underwriting Team

Stop spending hours on manual analysis. Start analyzing deals in seconds โ€” with the precision and depth of a seasoned Chief Credit Officer.

Request Your Free Demo