SOLUTION · BUSINESS LOANS
Accelerate corporate underwriting without compromising rigor.
Transform multi-year audited financial statements and banking ledgers into deep credit assessments with complete provenance.
FINANCIAL ANALYSIS
Multi-Year Longitudinal Modeling
Extracts and standardizes 3 to 5 years of balance sheets, P&Ls, audit notes, and debt schedules into an institutional financial appraisal model.
- ✓ Longitudinal EBITDA, PAT, and operating margin trajectory analysis
- ✓ Decomposition of debt maturity schedules and interest obligations
- ✓ Contingent liability and related-party transaction extraction
- ✓ Comparative benchmarking against industry peer performance ratios
LEVERAGE & COVERAGE
DSCR & Cash Flow Stress Testing
Models corporate debt servicing durability under rising interest rates, input cost surges, and revenue contractions.
- ✓ Dynamic DSCR, ISCR, and Fixed Charge Coverage calculations
- ✓ Scenario analysis: 10%, 20%, 30% top-line contraction impacts
- ✓ Working capital stretch simulation and liquidity runway evaluation
- ✓ Instant policy pass/fail status against lender corporate policy rules
NEXT-GENERATION CREDIT INFRASTRUCTURE
Build the next generation of lending.
Bring us a real credit workflow. See how Lucien unifies applications, documents, financials, policy, and human judgment into one continuously verified operating layer.
Evidence-Backed Provenance
Policy-Aware Decisioning
Human Accountability
Enterprise Deployment