Commercial Lending
Faster Credit Reviews. Smarter Covenant Checks. All Inside Excel.
Drift gives commercial lenders and credit analysts instant clarity across borrower financials, Excel models, and loan agreements — without ever leaving Excel. Quickly surface covenant breaches, test repayment scenarios, and extract key terms from PDFs. Spot risks, verify compliance, and prep for credit committee with confidence — all in a single, focused workflow.
Covenant Compliance
Cross-check borrower performance against loan terms. Drift compares Excel models to covenant definitions in your PDF agreements and flags compliance risks instantly.
Model Risk Analysis
Validate borrower-submitted Excel files before they hit credit committee. Drift scans for broken formulas, aggressive assumptions, and hidden issues in your borrower models — all inside Excel.
Agreement Extraction
No more scrolling through PDFs to find the fine print. Drift pulls out critical terms — like DSCR thresholds, amortization schedules, and reporting requirements — directly from loan documents.
Portfolio Monitoring
Track performance changes over time — even across Drift chats. Drift compares current borrower models to prior versions and flags material shifts in leverage, coverage, or margins.
Build your own workflows. Ask your own questions
Drift isn’t limited to predefined checks — it adapts to the way you work.
Use your domain knowledge to ask follow-up questions, test edge cases, or cross-check anything that doesn’t add up. If it’s in the model or the document, Drift can analyze it.