Credit Intelligence
Credit intelligence on a borrower's live general ledger. Produces credit memos with DSCR, leverage, working-capital cycle, concentration risk, and early-warning signals — every metric cited back to specific GL transactions. For banks, alternative lenders, and PE credit teams monitoring portfolio borrowers in real time. Review package instructions, local requirements and the resulting evidence before use.
Four commands.
One procedure.
All of them run inside Claude against the governed ledger.
- 01
/borrower-watchlist — Portfolio view across multiple borrower entities. Computes a lightweight credit snapshot for each (DSCR, leverage, AR concentration, signal count) and ranks by composite risk score so the credit team can spot which borrowers need attention.
- 02
/cash-runway — Compute burn rate and remaining cash runway for a cash-stressed borrower. Reads the last 3 months of operating cash flow, current cash position, and undrawn revolver capacity. Includes ±20% burn sensitivity.
- 03
/covenant-monitor — Track financial covenants forward in time. Pulls current DSCR, leverage, and interest coverage from the live GL, projects the trend 90 days forward based on trailing-3-month slope, and flags any covenant that's likely to breach.
- 04
/credit-read — Read a borrower's live general ledger and produce a complete credit memo — DSCR, leverage, working-capital cycle, concentration risk, early warning signals — with citations back to specific GL transactions. The headline command of the credit-intelligence plugin.
Editable procedure and reference material. Uses authorized Arfiti tools.
How a run behaves.
Use the procedure.
- 01Install in a supported client.
- 02Review policy assumptions and required source data.
- 03Inspect outputs before acting.
Confirm organization, entity and period. Review the package’s scope and assumptions.
Your procedures,
written down.
Swap the reference files for your policies and run it in Claude. Writes still go through the governed gateway.