A
AMPLIFY
OS v3.1
AI Logic
GEMINI-3-PRO
JD
Risk Cockpit
Apex Logistics LLC
Score: 78
Transportation
$2,500kUnderwriting
Bistro Chain Inc.
Score: 62
Hospitality
$850kUnderwriting
Risk Passport
Apex Logistics LLC
Transportation • 2023-10-15
78
Confidence
Amount
$2.5M
DSCR
1.45x
Leverage
2.1x
AI Underwriting Rationale
The applicant demonstrates strong cash flow consistency with a 12% YoY EBITDA growth. However, sector volatility remains a concern due to fuel price fluctuations. The collateral coverage is robust at 1.5x LTV.
Decision Drivers
Cash Flow Stability
+85
Sector Risk
-45
Collateral Quality
+60
Stress Tester
STABILITY+5%
EXPANSION0M
Projections
RATING81
DELTA▲ 3 PTS
●The BEE Workbench
Drag loan docs
FY23_Tax_Returns.pdf
2.4 MB
Bank_Statements_Q3.pdf
4.1 MB
Extraction Results
Internal Credit Memo
**Borrower:** ACME Construction LLC
**Date:** October 24, 2023
Executive Summary
The borrower requests a $2.5M working capital facility. Financials indicate a strong recovery post-pandemic with EBITDA margins expanding to 18%.
Risk Factors
SECURE-VIEWERPG 1/4
GRASSHOPPERLIVE MARKET
US 10Y: 4.12%OPTIMAL
| ID | Company | Rating | Notional | Yield | |
|---|---|---|---|---|---|
| ✔ | LN-001 | Apex Logistics | A | $2.5M | 6.5% |
| LN-004 | GreenLeaf | B+ | $5.0M | 7.2% | |
| ✔ | LN-009 | TechStart | A- | $1.2M | 6.8% |
Trade Construction
$3,700,000
2 LOANS SELECTED
Fractional Slice20%
Offering
$740k