AI credit review
across the complete borrower file
Review the annual credit package, borrower financials, covenant certificates, loan agreements, amendments and supporting schedules together. Continua checks whether the current credit conclusion is supported by the complete record, surfaces material inconsistencies and links every finding to its source.
Start free · No card required · Uploaded files deleted after the task
See when the compliance conclusion
relies on a superseded term
| Source | Evidence |
|---|---|
| Credit agreement, §7.12, p. 94 | Maximum Total Debt / EBITDA: 3.50x. |
| Amendment 2, §3, p. 11 | Maximum leverage reduced to 3.25x. |
| Compliance certificate, p. 2 | Reports Total Debt / EBITDA of 3.40x and marks the covenant “In Compliance”. |
The compliance certificate appears to rely on the original 3.50x threshold. Amendment 2 changes the maximum leverage ratio to 3.25x. Based on the 3.40x ratio reported in the certificate, the stated compliance conclusion requires review.
Every part of the finding remains connected to the document and source location that supports it.
The current credit position is rarely contained in one file
The prior credit memo explains the original decision.
Current financial statements show how the borrower has performed.
A compliance certificate reports covenant status.
An amendment changes the threshold.
A debt schedule shows obligations that may not appear in the memo.
A borrower update explains a variance — but another schedule may tell a different story.
Does the complete current borrower file support the credit position we are relying on now?
Continua analyzes the uploaded credit file as one investigation.
Six reviews from one credit investigation
Credit Memo And Source Reconciliation
Compare material statements in the credit memo or annual review against financial statements, borrower schedules and other supporting evidence. Flag stale figures, unsupported adjustments and conclusions that do not reconcile.
Covenant And Loan-Term Review
Trace covenant definitions, thresholds, reporting requirements and other material obligations through the base agreement and later amendments.
Financial Inconsistencies
Surface conflicting revenue, EBITDA, debt, cash, leverage and other material figures across narrative documents and spreadsheets.
Changes Since The Prior Review
Compare current and prior credit materials to identify material changes in performance, obligations, assumptions and borrower disclosures.
Missing Or Unresolved Support
Identify material conclusions that are not established by the uploaded file set, expected support that is absent and conflicts that remain unresolved.
Source-Linked Findings
Link material conclusions to the supporting document, page, sheet, row or available source location so the reviewer can inspect the evidence directly.
Ask the complete credit file one question
Review this commercial credit file for the current annual review or renewal. Reconcile the credit memo and borrower narrative against the current financial statements, debt schedules, covenant certificates, loan agreements, amendments and other supporting documents. Identify material changes, inconsistencies, unsupported assumptions, missing evidence and credit-relevant red flags. Trace current covenant and reporting terms through amendments. Distinguish facts from inference, preserve unresolved conflicts and cite every material finding to its source.
Continua returns a structured credit-review report designed for professional verification.
Commercial credit reviews Continua is built for
Annual credit review
Review the current borrower package against the prior credit position and identify changes that could affect the risk assessment.
Credit renewal
Reconcile updated financial evidence, borrower disclosures and current agreement terms before a renewal or extension decision.
Covenant review
Determine which covenant definitions and thresholds currently govern, then compare reported compliance against the uploaded evidence.
Portfolio monitoring
Investigate changes in performance, leverage, liquidity, concentration or obligations within an existing exposure.
Credit memo verification
Check whether material statements and figures in a prepared memo are supported by the underlying documents.
Exception investigation
Start with a suspicious number, covenant issue, changed term or unexplained variance and trace the evidence across the complete file.
From credit file to cited review
Upload the relevant borrower record
Include the credit memo, current and prior financials, borrower schedules, covenant certificates, loan agreements, amendments and other supporting files.
Define the review question
State whether the task is an annual review, renewal, covenant investigation, credit memo verification or another specific credit issue.
Analyze the complete file set
Continua reviews the uploaded documents and spreadsheets together and connects evidence across the borrower record.
Review findings and conflicts
Inspect material changes, inconsistent figures, current obligations, missing support and unresolved questions.
Open the evidence and export
Move from a finding to the underlying source and export the cited report for internal review.
Built for credit issues that appear between documents
| File-by-file review | Continua |
|---|---|
| Reviews each document in isolation | Investigates the uploaded borrower file as one record |
| Relies on the prepared memo to summarize the case | Checks material conclusions against underlying evidence |
| May retain an original covenant after an amendment | Traces current terms through the agreement family |
| Can overlook a conflicting number in another file | Surfaces cross-document inconsistencies |
| Requires manual source tracing | Links material findings to source evidence |
| Can turn missing support into an implied assumption | Keeps unresolved and missing evidence visible |
The difference matters when a credit conclusion depends on evidence scattered across financial, contractual and narrative files.
Questions Continua is built to answer
Supported formats include PDF, DOCX, XLSX and CSV. For the same fields extracted from every file in a recurring folder, see AI Multi-Document Processing.
Credit investigation — not automated credit approval
Continua is designed to investigate and verify document evidence used in commercial credit work. It is not:
- A loan origination system
- A credit bureau or borrower-data provider
- An automated approval or decline engine
- A proprietary risk-rating model
- A KYC, AML or sanctions platform
- A substitute for credit policy or professional judgment
The credit team remains responsible for the final risk assessment and decision.
Built for confidential borrower files
- Uploaded files are deleted after the task
- Files are not used to train AI models
- Reports can be exported for professional review
- Material findings remain linked to supporting evidence
Frequently asked questions
Can Continua review financial statements and loan documents together?
Yes. Continua can analyze financial, contractual and narrative documents in the same investigation when the credit question depends on evidence across them.
Can it compare a credit memo with the underlying source documents?
Yes. Ask Continua to test material statements in the memo against the uploaded record and flag where support is missing, inconsistent or ambiguous.
Can it trace a covenant through amendments?
Yes. Continua can analyze the base agreement together with amendments, schedules and related documents to identify the current governing language. AI Contract Review offers the dedicated agreement workflow.
Can it identify what changed since the last review?
Yes. Upload the relevant prior and current materials and define the comparison scope. AI Document Comparison is also available for a change-focused workflow.
Does Continua make the credit decision?
No. It produces cited document analysis for professional review. Your team retains responsibility for credit policy, interpretation and the final decision.
Can it produce a decision-ready summary?
Yes. You can ask for a concise review organized around the credit decision, material findings, risks and open questions. See AI Executive Summary.
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See how frontier models perform on long-running investigations with and without Continua — accuracy, recall and citation integrity, measured.
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Attach the file pile, ask the hard question, get back a cited report with every conflict flagged. No credit card required.