C
CreditGPT
CREDITGPT

The Gold Standard for
Credit Document Analysis.

Automatically analyze complex credit documents and get all the information you need laid out for you, instantly. Covenants, baskets, structural risks, and more — extracted and organized in minutes.

See why top credit teams use us in just 20 minutes.
SCANNING
Credit Agreement v4.2
0%
PAGES: 247|CLAUSES: 1,842
Covenant Analysis
Awaiting Scan
0clauses
CREDIT FUNDS
PRIVATE CREDIT
INVESTMENT BANKS
RX ADVISORY
LAW FIRMS
PLATFORM

The Complete Credit Doc Toolset.

Everything credit teams need to quickly and expertly analyze credit documents.

Section Explainers

Plain-English walkthroughs of every significant section that break down complex provisions into clear, actionable insights.

PRIMARY_COVENANT
§ 6.01
Limitation on Indebtedness
MODIFIED_BY
PERMITTED_EXCEPTION
§ 6.01(b)(xvii)
General "Ratio" Debt Basket

Allows for unlimited pari passu debt provided First Lien Net Leverage < 4.25x.

Document Answers

Get immediate answers to your complex document questions with traceable citations straight from the text.

Does the EBITDA definition include synergies?
CREDITGPT
Yes. Section 1.01 allows for 15% add-backs for pro-forma synergies within 18 months.p. 24

Automated Modeling

Fully dynamic Excel models built directly from document terms—ready to plug into your workflow.

A
B
C
D
1
BASKET
CAPACITY
USED
AVAILABLE
2
Debt §6.01
$450.0M
($120.0M)
$330.0M
3
RP §6.06
$125.0M
($25.0M)
$100.0M
4
Invest §6.04
$210.0M
($15.0M)
$195.0M
5
Ratio Check
4.25x
3.82x
PASS
fx
=SUM(B2:B4) - SUM(C2:C4)

LME Risk Analysis

Automatically surface structural vulnerabilities like uptier exchanges, asset dropdowns, priming paths, and other LME strategies.

UPTIER EXCHANGE
VULNERABLE
Critical
ASSET DROPDOWN
RESTRICTED
Moderate
PARI PRIMING
PROTECTED
Safe

Document Comparisons.

Compare terms across credit agreements, bond indentures, and other documents—easily in one place.

ABL
Term Loan
SNR Notes
Debt Incurrence
N/A
7.00x FCCR
6.00x FCCR
Restricted Payments
$100M basket
$150M basket
$75M basket
Asset Sale Sweep
75% prepay
50% prepay
100% prepay
EBITDA Addbacks
10% cap
15% cap
20% cap

Workflow Export.

Export platform outputs directly into the formats that match your workflow—accelerating your team's existing process.

COV_SUMMARY
Export .PPTX
2.4MB
COV_MODEL
Export .XLSX
1.1MB
TEARSHEET
Export .PDF
4.8MB
DOCUMENT COVERAGE

One platform to handle your entire
document stack.

Credit Agreements·Amendments·Bond Indentures·CLO Indentures·Intercreditor Agreements·Security Agreements·Fee Letters·And More

Same structured outputs, same citations, same workflow—regardless of document type. Have something specific? We can support it.

WHO WE SERVE

Credit Investors and Advisors.

Our team comes from leading credit funds and advisor firms. We built CreditGPT to accelerate the workflows we know firsthand—document analysis, covenant tracking, and liability management screening.

Opportunistic & Distressed Credit

Know what you own before you own it. Surface LME vulnerabilities, model basket capacities, and flag key provisions in minutes—not days.

20+
LME strategies mapped

Private Credit & Direct Lending

Analyze credit documents consistently across deals—flag risks, compare terms, and standardize your diligence process.

100%
term coverage

Restructuring Advisory

Get smart on emerging credit situations faster than competitors. Surface the key issues fast and deliver differentiated strategic advice that wins mandates.

10x
faster doc review

CLO Investors & Managers

Quickly analyze the CLO indentures and credit agreements that underpin your assets—all in one place.

<20
min per doc

Legal & Knowledge Management

Analyze documents faster with a standardized process. Build institutional memory across documents with consistent, queryable outputs.

Unlimited
document capacity
"

If your team is still spending days reviewing credit documents manually, you're already behind.

WHY CREDITGPT

A better way to analyze credit documents.

Manual Review
Covenant Services
CreditGPT
CoverageBreadth of credit agreement coverage?
Any credit agreement
Limited to coverage universe
Any credit agreement
SpeedTime to review new documents?
Days to weeks
Not offered
Minutes
DepthComprehensive analysis of all sections?
Limited by time
Limited to grids
Included
Q&AImmediate answers to complex questions?
Requires re-reading
Not offered
Included
Document BreadthIntercreditors, CLO indentures, etc?
Requires deep legal expertise
Not offered
Included
LME AnalysisDeep analysis of 20+ LME strategies?
Requires deep legal expertise
Limited to blocker checks
Included
Financial ModelingProvides dynamic Excel models?
Yes, but challenging
Not offered
Included
Document ComparisonIncludes side-by-side term comparison?
Often too time-consuming
Not offered
Included
CustomizationCustomizable to firm template?
Yes
Not offered
Included

CreditGPT supercharges the capabilities of credit teams, allowing them to move through documents at a completely different speed and depth.

SECURITY

Built for Institutions.

No Model Training

Your documents are never used to train or fine-tune AI models. Your data remains yours—period.

Zero Retention

We have zero data retention agreements in place with model providers, ensuring none of your data is retained by them.

Encrypted Connections

All data is transmitted over TLS-encrypted connections. Documents are protected in transit between your browser and our infrastructure.

Isolated Processing

Each analysis runs in an isolated environment. Your documents are never commingled with other users' data during processing.

SSO Support

Enterprise single sign-on integration allows your team to authenticate through your existing identity provider.

US-Based Infrastructure

All processing occurs on servers located in the United States, meeting data residency requirements for domestic institutional clients.

RESOURCES

Frequently Asked Questions.

No. Your documents are never used to train or fine-tune any AI models. Your proprietary information stays yours—this is non-negotiable.

CreditGPT can handle all of your credit-related documents, including credit agreements, indentures, security documents, intercreditor agreements, CLO indentures, and more. This means you can analyze all of your credit legal documents in one place—in a consistent manner.

We maintain a rigorous evaluation framework across real credit documents. Every extraction is linked directly to its source location in the document, enabling instant human verification.

Documents are typically analyzed in less than 20 minutes.

Yes. We offer short-term, no-commitment pilots so you can evaluate CreditGPT on your own documents before beginning a long-term partnership.

Same day. There's no lengthy implementation process—your team can be up and running within hours of signing up.

GET STARTED

Try it on your documents.