AI finance underwriting
across the complete borrower package
Review the application, financial statements, bank statements, AR and AP aging, debt schedules, invoices, purchase orders and customer contracts together. Continua investigates whether the package supports the proposed facility, surfaces inconsistencies and missing evidence, and links every material finding to its source.
Start free · No card required · Uploaded files deleted after the task
See the concentration risk
hidden between the schedule and the contract
| Source | Evidence |
|---|---|
| Borrower application, p. 6 | Largest customer stated as 18% of receivables. |
| AR aging, current balance | Customer A represents 31% of current receivables. |
| Customer A agreement, §7.3, p. 18 | Customer may terminate for convenience on 30 days’ notice. |
The uploaded AR aging does not support the 18% concentration stated in the application. Customer A represents approximately 31% of current receivables, and the customer agreement includes a 30-day termination right. The exposure requires review under the lender’s underwriting criteria.
The finding remains connected to the application, spreadsheet and contract that support it.
The borrower package is one risk record, not a folder of independent files
The application tells you what the borrower says.
Financial statements show reported performance.
Bank statements show cash activity.
AR and AP aging show working-capital composition.
Invoices and purchase orders provide transaction support.
Customer contracts can change the quality of the receivable behind the request.
Debt schedules reveal obligations that may be summarized differently elsewhere.
Does the complete package support the proposed facility — and what in the evidence could change the decision?
Continua analyzes the uploaded borrower package as one investigation.
Six reviews from one underwriting investigation
Application-To-Source Verification
Compare material statements in the application or underwriting summary against uploaded financials, schedules, bank statements, contracts and transaction evidence. Flag claims that are unsupported, stale, ambiguous or contradicted.
Financial And Schedule Reconciliation
Surface inconsistent revenue, debt, cash, receivable and payable figures across narrative documents and spreadsheets.
Concentration And Exposure Evidence
Identify customer, supplier or other concentrations visible in the uploaded schedules and connect them to supporting documents when available.
Contract And Obligation Review
Identify contractual evidence that may affect payment, termination, assignment, setoff, purchase obligations, guarantees or other material exposures.
Missing Underwriting Support
Keep requested evidence that is missing, incomplete or not established by the uploaded package visible rather than filling the gap with a guess.
Source-Linked Red Flags
Prioritize material, evidence-backed underwriting issues and link each finding to the supporting source.
Ask the complete borrower package one question
Review this commercial finance borrower package for underwriting. Reconcile the borrower application and underwriting summary against the financial statements, bank statements, AR/AP aging, debt schedules, invoices, purchase orders, customer or vendor contracts and other supporting documents. Identify material inconsistencies, concentrations, unsupported claims, missing evidence, contractual exposures and underwriting-relevant red flags. Distinguish facts from inference, preserve unresolved conflicts and cite every material finding to its source.
Continua returns a structured underwriting report for professional review.
Document-heavy commercial finance underwriting
Asset-based lending
Review borrower financials, AR/AP aging, borrowing-base support, concentrations and relevant contractual evidence together.
Factoring
Compare receivable schedules with invoices, customer documentation and contract terms that may affect the exposure.
Equipment finance
Investigate the application, financial evidence, equipment quotes, purchase documents, existing obligations and related files.
Trade and working-capital finance
Connect purchase orders, invoices, counterparties, borrower financials and underlying agreements to the requested facility.
Specialty finance
Review non-standard borrower packages where the answer depends on evidence spread across financial, contractual and operational documents.
Private credit
Investigate borrower financials, debt obligations, material contracts and diligence evidence without reducing analysis to one-file summaries.
From borrower package to cited underwriting report
Upload the complete package
Include the application, financial statements, bank statements, AR/AP aging, debt schedules, invoices, purchase orders, contracts and other relevant support.
Define the underwriting question
Specify the facility, review criteria and issues the underwriter needs investigated.
Analyze the complete package
Continua reviews the uploaded PDFs, Word documents, spreadsheets and CSV files together.
Review findings and exceptions
Inspect inconsistent claims, concentrations, missing support, relevant obligations and unresolved questions.
Open the evidence and export
Verify material findings at the source and export the cited report for underwriting or credit review.
Built for underwriting issues that sit between files
| File-by-file review | Continua |
|---|---|
| Checks each submission separately | Investigates the uploaded borrower package as one record |
| Extracts fields without testing the broader narrative | Reconciles material claims against supporting evidence |
| Reviews spreadsheets separately from contracts | Connects structured and narrative evidence |
| Can miss a concentration or obligation in another file | Surfaces cross-document relationships and conflicts |
| Requires manual source tracing | Links material findings to source evidence |
| Can silently fill gaps with assumptions | Keeps missing and unresolved evidence visible |
The difference matters when one schedule, clause or missing piece of support changes the underwriting view.
Questions Continua is built to answer
Supported formats include PDF, DOCX, XLSX and CSV. For repeated extraction of the same fields from every submission, see AI Multi-Document Processing.
Underwriting evidence review — not an automated decision engine
Continua helps commercial finance teams investigate borrower evidence. It is not:
- A loan origination system
- A borrower application portal
- An automated approval or decline engine
- A credit bureau or external-data provider
- A proprietary financial spreading or risk-rating system
- A KYC, AML or sanctions platform
- A replacement for lender policy or underwriter judgment
Use Continua to investigate what the uploaded evidence establishes, where it conflicts and what still needs review.
Built for sensitive borrower records
- 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 spreadsheets and PDFs together?
Yes. Continua supports PDF, DOCX, XLSX and CSV files in the same investigation, which is useful when underwriting conclusions depend on both narrative documents and structured schedules.
Can it compare the borrower application with AR aging and financial statements?
Yes. Ask Continua to verify material application statements against the uploaded source evidence and flag inconsistencies or missing support.
Can it review customer contracts as part of underwriting?
Yes. Relevant contractual evidence can be included in the same investigation. AI Contract Review offers a dedicated agreement-family workflow.
Can it create an underwriting-document checklist?
Yes. You can define the expected evidence and ask Continua to identify what is present, missing, ambiguous or unsupported. AI Requirements Checklist provides a dedicated checklist workflow.
Can it process every document in a borrower package using the same fields?
Yes. AI Multi-Document Processing is designed to check every uploaded file against the same requested fields and preserve missing values.
Does Continua approve or decline the facility?
No. It produces cited document analysis for professional review. The underwriting team applies lender policy, risk appetite and final judgment.
Keep Exploring
Related investigation skills, side-by-side comparisons and the accuracy benchmarks behind this workflow.
See how frontier models perform on long-running investigations with and without Continua — accuracy, recall and citation integrity, measured.
View the benchmarks See pricingRun Your First Investigation Free
Attach the file pile, ask the hard question, get back a cited report with every conflict flagged. No credit card required.