AI for Lending, Credit & Surety
Assess risk, validate models, and cross-check documents—without leaving Excel.
Drift helps underwriters, analysts, and risk teams analyze borrower models, check covenant compliance, and verify submitted financials—right from within their Excel workflows. Upload loan packages, borrower spreadsheets, and supporting docs, and let Drift surface what matters.
Whether you’re evaluating a new borrower, assessing a renewal, or underwriting a surety request, Drift helps you get to a risk-ready answer faster—by cross-checking models, documents, and covenants all from inside Excel.
Use it to:
Whether you’re evaluating a new borrower, assessing a renewal, or underwriting a surety request, Drift helps you get to a risk-ready answer faster—by cross-checking models, documents, and covenants all from inside Excel.
01
Evaluate new borrowers
by analyzing financial health, trend stability, and compliance risk in borrower models.
02
Check borrower data
against loan terms, covenants, or PDFs from legal, ops, or underwriting.
03
Verify compliance
by checking ratios, interest coverage, or working capital directly in Excel.
04
Extract covenants
and terms from loan docs, LOAs, or bond requests without manual parsing.
05
Run risk scenarios
to test debt service ability, margin compression, or top-line sensitivity.
Example Use Cases
Covenant Compliance Check
Upload the Excel model and the PDF loan doc. Drift will find the debt covenants, calculate relevant ratios from the model, and show you if the company is in compliance, or on a path to non-compliance.
“Is this company in compliance with all loan covenants; do the latest financials indicate that the company might be moving towards non-compliance in the outlying two quarters?"
First-Pass Underwriting Filter
When a new model comes in, Drift checks it against your firm’s lending criteria—quickly and reliably. It evaluates cash runway, burn rate, and debt capacity, then flags anything that doesn’t meet your standards.
You get a clear yes, no, or maybe—all without building a new template or tool.
“Does this borrower meet our initial underwriting criteria based on the current model?”
