Independent shadow credit ratings applying the published methodologies of S&P, Moody’s, and Fitch— generated in minutes by a proprietary multi-agent architecture. Upload the company’s annual report and get three full shadow ratings — one per agency, each running its own methodology end to end — with sector benchmarks, sensitivities, and a credit memo ready to share.
No subscription. No agency fees. Published agency frameworks, packaged for analysts, treasurers, and advisors.
01
Upload your docs
Annual report, 10-K, or 20-F to start. The platform reads the document and pre-fills company identity and financials. Optional uploads (peer rating reports, IMs, investor decks) sharpen the analysis.
02
Get three full rating outcomes
Three independent shadow ratings — S&P, Moody's, and Fitch — each applying its own full methodology: business risk profile, financial risk profile, anchor, modifiers, group and government-related entity overlays, rating outcome. Side-by-side comparison, sensitivity analysis, and exportable credit memo.
03
Challenge the analysis
Once your ratings are live, the co-analyst chatbot lets you drill into any element of the analysis — challenge assumptions, probe sensitivities, or explore alternative scenarios. Skip it entirely if you don't need it.
Under the hood
A proprietary agent architecture built on published frameworks.
▸35 specialist agents, each scoped to a single published methodology step.
▸Three adjustment agents apply S&P, Moody’s, and Fitch accounting treatment to the same reported figures in parallel.
▸Twelve pre-pass agents — ESG, liquidity, financial policy, and peer benchmarking — run before the engines fire and inject their assessments directly into the rating prompts.
▸Three rating engines each apply their agency’s full published framework end to end — business risk, financial risk, anchor, modifiers.
▸Conditional overlays for government support, group linkage, and structural subordination applied where relevant.
▸Every step traces back to a specific published methodology reference. No black box. No proprietary score.
