Borrower follow-ups can add ~1 week.
Missing documents and inconsistent figures create back-and-forth before analysis can move ahead.
AI for commercial lending
2× productivity for
your credit team.
More loans handled by the same team. Faster decisions for borrowers.
Introducing CreditFrame: an AI credit analyst for underwriting and monitoring commercial loans. It prepares the initial credit view, so the team can spend more time on credit judgment.
- Financial spreading & modelling
- Borrower follow-ups & data collection
- Credit memo generation
95%+
Spreading accuracy
With lender-specific adjustments; low-confidence figures flagged for human review.
<30min
To credit memo
Source-linked, in the lender’s format.
01 / The problem
Credit work stalls before the decision.
Manual work consumes credit-team capacity.
50%+ of a team’s time can go to gathering information, spreading financials and assembling the analysis.
Data lives across systems.
Analysts reconcile borrower documents, internal records and third-party checks, often entering the same information more than once.
The credit memo needs another pass.
The team’s view must be assembled in a standard format before reviewers can make the credit call.
02 / How CreditFrame works
From intake to credit view.
CreditFrame prepares an initial credit view—including financial models, a credit score and a memo. The credit team reviews it and makes the decision.
0:001:12
Start with the terms, not a blank page.
Upload a term sheet or enter the facility details manually. Establish the borrower, facility and loan purpose.
Illustrative borrower case · Product screensClick any step to explore
03 / Built for the bank’s process
Fast turnaround. Consistent assessment. Auditable review.
Aligned with credit policy
Configure the analysis, checks and memo to the lender’s standards.
Source-linked and auditable
Trace figures to borrower materials and see what was prepared, reviewed and changed.
Private by design
Keep borrower information within the agreed deployment environment.
Works with existing systems
Connect CreditFrame to the lender’s loan origination system, internal data and third-party services.
04 / Beyond CreditFrame
AI built around your credit workflow.
We also work with banks and credit funds to build and deploy AI for their specific lending processes. We start with workflow discovery to identify where AI can make a difference.
Talk to us05 / About Distilled One
Credit experience meets AI practitioners.
20+years of credit experience
10+years in technology & product
Founding team
NB
Co-founder
Neelabh Baranga
Bio line to be added.
AT
Co-founder
Abhimanyu Talwar
Bio line to be added.
SA
Founding engineer
Sai Ashwal
Bio line to be added.
Previous experience across our team
BlackRock
Citi
Goldman
Nomura
Amazon
Level AI
Advisors
NS
Advisor
Neeraj Seth
Bio line to be added.
Let’s talk
Let’s talk about your lending workflow.
See where CreditFrame fits—or bring us a process you want to improve.
contact@clayrio.ai
Email contact@clayrio.aiDistilled One · CreditFrame