Credit analysts
The first draft ready before the analysis starts.
- Credit reports from a borrower's filings
- Covenant analysis on private deals
- Peer figures from filings in one cited table
Credit and capital markets, read in full
Needl.ai is built for the credit, capital markets and compliance teams of banks and lenders. It writes credit reports from a borrower's filings, runs diligence on private credit deals, summarises offer documents and grades every new regulatory update, with sources on each.
Where Needl.ai fits the bank
Four jobs that run on long documents, for the teams that lend, the teams that bring issuers to market and the teams that keep the bank compliant.
A credit view from the borrower's own filings
The report opens with the credit view and the figures behind it, then covers the business, cash flows, debt and liquidity, and what to monitor. It states only ratings an agency has assigned and never forms one of its own.
- From
- Annual reports, results and the filings you follow
- You get
- A cited credit report in the order a committee reads
Diligence on private credit deals
For a direct lending or leveraged deal, the whole data room is read. The covenant analysis sets out where each facility ranks, what the covenants allow and how the EBITDA definition could move the numbers.
- From
- The data room, uploaded or connected from the drive it lives in
- You get
- A covenant analysis, ranked red flags and a cited memo
Offer documents, summarised in order
A prospectus is summarised in the order a reviewer reads it, from the business and its numbers to the use of proceeds, the risks and any litigation. It reports what the document discloses, and pricing is relayed as stated.
- From
- The prospectus, or an annual report for a listed issuer
- You get
- A cited summary in fixed sections
Regulatory change, graded for your bank
The regulator and legislature sites you choose are read every day. Each new item is graded high, medium or low against a policy built from your brief, with the reason kept, and an item that cannot be graded is held back.
- From
- A brief, in plain English, naming what your bank must track
- You get
- A daily brief and urgent alerts, each linked to its source
For every team that reads for the bank
The reading and the first draft are done for each team, and every decision stays with the people who own it.
Relationship bankers
Prepared for every client conversation.
- Cited answers on a client from its filings
- Company deep dives with suggested questions
- Trackers on clients and their sectors
Capital markets and research
Offer documents and results, read in order.
- Prospectus and annual report summaries
- Quarterly notes written around what changed
- Exchange filings in India, the US and New Zealand
Compliance
Regulatory change without the daily sweep.
- Your regulators read every day
- Every item graded, with the reason
- Items that cannot be graded held back
The documents behind every decision
What borrowers and issuers publish, what regulators issue and what the bank has already written, read together, with every answer naming its source.
From borrowers and issuers
- Annual reports and financial statements
- Results and exchange filings
- Prospectuses and offer documents
- Credit agreements and term sheets
- Rating rationales published by agencies
From regulators and the market
- Regulator and central bank publications
- Legislature and consultation sites
- News and the trade press
- Sites behind a login
- Your credit files, policies and past reports
Where it connects
Credit files, policies and past reports connect from where they already live, or upload them directly.
SharePoint
OneDrive
Outlook
Teams
Box
Google Drive
Built for a bank's controls
Credit files and client data cannot go to public AI tools. Needl.ai runs where your policy says it must, and every answer follows the permissions you already manage.
- In your own cloud account and region, in a dedicated instance, or in Needl.ai's cloud
- Answers drawn only from documents each person can open in the source system
- Sign-in with your staff's Microsoft accounts
- Never used to train any model, ours or a model provider's
- Deleted on request, confirmed in writing
AICPA SOC 2
ISO 27001 certified
ISO 42001 in progress
GDPR compliant
CASA assessed
Start with one document-heavy task
Pick the task where long documents slow the team most, and judge the output against work you have already done.
01
Pick one task
Borrower credit reports, offer document summaries or the daily regulatory brief, on names your team already knows.
02
Run it where your data must stay
Start in Needl.ai's cloud on public filings, or deploy in your own cloud account from the first day.
03
Extend with our engineers
An engineer from our team learns your credit process, and a dedicated team builds the next workflow and deploys it in your cloud.
Frequently asked questions
What banks ask before they start.
Is it for retail lending, payments or KYC?
No. It is built for credit, capital markets and compliance teams that work from long documents: borrower filings, offer documents, credit agreements and regulatory updates.
How do you keep invented figures out?
Every section of a report is written from the documents and names its sources. A credit report states only ratings an agency has assigned, and a regulatory item that cannot be graded is held back rather than sent unlabelled.
Can reports follow our credit memo format?
Yes. A finished report can be saved as a template, and new reports follow its sections and order.
Which regulators can it follow?
The regulator, central bank and legislature sites you choose, including sites behind a login. Items in other languages are translated in full before they are graded.
We already use a general AI assistant. Why add Needl.ai?
Keep it. Needl.ai reads your credit files, the filings and your regulatory sources together, follows each person's permissions, and shows the source behind every answer.
Does our data leave the bank?
It can run in your own cloud account, in your region. It is never used for training, answers follow each person's permissions, and we delete data on request.
See it on a borrower you know
Bring a borrower's filings or a recent offer document, and see the credit report, the summary and the regulatory brief on your own sources.