INSTITUTIONAL CREDIT INTELLIGENCE
The credit system your portfolio was missing.
A fully integrated LBO model, automated data architecture, and real-time portfolio intelligence — built for banks, direct lenders, and institutional credit teams.
AI-ready. Not AI-dependent.
FOUNDER BACKGROUND
JPMORGAN BARCLAYS CREDIT SUISSE CITIBANK NATIXIS
Built on institutional-grade infrastructure
THE FOUNDATION
Every credit runs through the same fully integrated model — from underwriting to ongoing monitoring.
What takes your team 3–5 days takes hours here — and rolls forward in minutes.
~10%
Time to build vs. a traditional model
Minutes
To roll forward a new LTM period
6
Projection cases run simultaneously
Live
Factset & CapIQ Integration
HOW IT WORKS
One system. Four layers.
Every layer builds on the one beneath it. The model is the foundation — everything else flows from it automatically.
01
The model
Standardized LBO engine. Build new deals in ~10% of the time. Roll forward in minutes. Every credit on the same architecture.
02
Structured data
Every model feeds a standardized data layer on a consistent, repeatable schedule. Clean, structured, audit-ready data across every credit.
03
Portfolio intelligence
Real-time monitoring, covenant tracking, early warning flags, and risk reporting — automatically updated every cycle.
04
Integrate your existing AI workflow today. Our standardized data layer is the clean foundation any AI tool needs. Our own AI workflow is coming — analyst-reviewed, zero data risk.
AI-ready
Once every credit runs on the same model, this becomes possible:
Your entire portfolio. One view.
Real-time covenant monitoring, risk distribution, and early warning flags — all in one place, automatically updated.
Built on standardized models across every credit — not analyst-built spreadsheets.
THE PLATFORM
Your analysts are spending 80% of their time on process.
THE PLATFORM
More credits. More data. More regulatory expectations. Still managed through manual models and disconnected workflows.
01 - EFFICIENCY
Process is eating your team alive
Building models from scratch. Reformatting spreadsheets. Assembling quarterly packages by hand. Your most experienced analysts are spending the majority of their time on work that should be automated — not on credit judgment.
02 - RISK
Deterioration surfaces too late
When every analyst owns a different model with no common architecture, there's no systematic way to catch a deteriorating credit before it becomes a problem. Covenant breaches, declining DRC, and watchlist triggers get flagged manually — or not at all.
03 - REGULATORY
Manual workflows don't hold up to scrutiny
Examiners expect systematic documentation, consistent methodology, and demonstrable early warning processes. A portfolio managed through disconnected spreadsheets can't produce that on demand. The regulatory bar keeps rising. Most credit workflows aren't rising with it.
TWO WAYS TO GET STARTED
Start where you are.
Whether you're ready to standardize your full credit workflow or want to add portfolio intelligence on top of your existing models — there's a path that fits your organization.
FULL SYSTEM
The Model + The Platform
The complete offering. Implement the Palm Finance LBO model across your portfolio — standardized, automated, FactSet/CapIQ linked — with the full portfolio intelligence layer on top. The highest efficiency gain and the cleanest data architecture.
Standardized LBO model across every credit
6 projection cases, complex capital structures
Automated data feed to portfolio layer
All eight monitoring modules included
Full AI-ready data architecture from day one
→ BEST FOR FIRMS
STANDARDIZING END TO END
PLATFORM ONLY
Portfolio Intelligence on your existing models
Already have models in place? We retrofit your existing model architecture to feed the Palm Finance data layer — then deploy the full portfolio monitoring platform on top. A faster path to portfolio intelligence without rebuilding from scratch.
Works with your existing model infrastructure
We customize the data layer connection
All eight monitoring modules included
Natural upgrade path to the full model
Faster implementation, lower change management
→ BEST FOR FIRMS
WITH EXISTING MODEL INFRASTRUCTURE
Not sure which path fits? Every engagement starts with a scoping conversation — we'll help you determine the right entry point based on your current workflow, portfolio size, and implementation timeline.
AI STRATEGY
AI-ready. Not AI-dependent.
Two distinct capabilities — one available today, one coming soon. Both built around the same principle: your credit data stays structured, controlled, and audit-ready.
AVAILABLE NOW
Integrate your existing workflow
Your firm's AI initiative — whatever tool or vendor you're using — works immediately with our standardized data layer. Clean inputs. Consistent structure across every credit. AI operates entirely off to the side of the Excel architecture, so your model data stays clean and audit-ready.
→ Plug any AI tool into our standardized output
→ Consistent data structure across every credit
→ AI operates off to the side — model stays clean
→ We build the connecting workflow between systems
NEAR-TERM
Our own AI workflow
Haven't gotten there yet? We're building it for you. Automated financial statement spreading and performance commentary — off to the side, analyst-reviewed before anything is accepted. All the efficiency of AI with none of the data risk.
→ AI-powered financial statement spreading
→ Automated performance commentary generation
→ Analyst review and approval before model acceptance
→ Zero hallucination risk to your credit data
Whatever AI workflow you're building — we have you covered. If you haven't gotten there yet — we provide the roadmap.
One system. Eight integrated modules.
WHAT'S INCLUDED
Delivered in Excel. No new software to install. Operational from day one.
Every module is powered by the same underlying model — not separate tools stitched together.
Covenant Monitoring
01
Real-time cushion tracking, step-down schedules, projected compliance — base and downside
CORE MONITORING
Credit Watchlist
02
Systematic WL management, directional change tracking, portfolio-level exposure summary
Non-Pass Portfolio
03
SM/SS/D/L classification tracking, regulatory rating migration, criticized asset dashboard
Debt Repayment Capacity
04
DRC vs. original underwriting, material deterioration flags, stale projection detection
Risk Profile Distribution
05
Portfolio composition by rating bucket, upgrade/downgrade migration, historical comparison
ANALYTICS
Quarterly Review Timeline
06
Cycle management, completion tracking by analyst and officer, past-due flagging
OPERATIONS
Annual Review Timeline
07
Portfolio-wide scheduling, days-until-due tracking, monthly distribution visibility
Financial Reporting Calendar
01
Statement delivery obligations, reporting requirement days, sponsor and agent tracking