Alpha is the goal. is the driver.

See institutional memory at work Talk with alfa+

alfa+ turns institutional memory into decision advantage.

It retrieves the institution’s history, applies its credit methods, and brings relevant precedent into the analyst’s workflow.

Institutional memory Prior decisions & rationale Credit methods & terms Performance outcomes
Context + methodology alfa+

Agents retrieve, compare, and apply the institution’s context

Decision-ready outputs Base & downside focus Source-linked rationale Variance & covenant insight

Your institution’s judgment, applied to every deal.

Alfa+ benchmarks each deal against funded, declined, and done-away experience, then returns a recommendation with its rationale and source trail. Analysts review the cited evidence and recommendation, then approve or revise it before it becomes part of the institution’s record.

Prior decisions
Current deal
Credit standards
A decision the team can defendRecommendation. Rationale. Source trail.

Better selection

  • Score pipeline fit against sector preferences and return thresholds
  • Spread financials, normalize EBITDA, and identify qualitative risk
  • Build source-linked analysis and the committee case
  • Query and challenge the analysis before the analyst makes the decision
Search deals…Illustrative deal · UnderwriteDraft
Generated analysis

Base-case areas of focus

Six important risks4 accepted · 2 need review
Downside case supportReview sources
Risk 5 · covenant pressureNeeds detail
alfa+ agentKnows this analysis
alfa+ response · Scenario 01See the assumptions, not just the output.

The downside case starts with the approved base case, then applies assumptions drawn from deal materials, approved reference data, and institutional precedent.

Source-linked · Analyst reviewed
Query the underwriting analysisThe agent answers inside the selected topic, with its reasoning and sources in context.

Illustrative product interface

Earlier risk detection

  • Compare actual performance with the underwriting case
  • Track covenants, headroom, trends, and anomalies
  • Surface concentration by sponsor, vintage, and business model
Search portfolio…Illustrative portfolio · MonitorWatch
Live monitoring

Covenants & headroom

Fixed charge cover1.04x actual · 1.10x limit
Total leverage3.18x · In policy
Minimum liquidity$18.4M · Watch
alfa+ agentKnows this analysis
alfa+ response · Scenario 03Connect the risk to prior outcomes.

alfa+ retrieves comparable cases where the same risk affected covenant headroom, documentation, or amendment activity.

Institutional precedent · Analyst reviewed
Challenge the monitoring analysisThe agent brings prior covenant outcomes and contrary evidence into the live review.

Illustrative product interface

First lookUnderwriteApproved caseMonitor
01 / Screening + underwriting

Build the decision from source-linked evidence.

Financial spreading, factor assessment, rating trajectory, and Day 1 analysis remain connected to the source document, page, and cell.

  • Source-linked financial spreading
  • Factor assessment and scoring
  • Rating trajectory
  • Draft IC analysis
02 / Portfolio intelligence

Monitor the live credit against the approved case.

Actuals are compared with the underwrite while covenant headroom, leverage, liquidity, anomalies, and concentration remain visible in the same workspace.

  • Actual vs. underwrite variance
  • Covenant and headroom monitoring
  • Portfolio concentration
  • Early-warning alerts

Talk with the team.

Tell us about your institution, credit workflow, and what you want to improve.

We’ll follow up directly about your credit workflow and priorities.