Shadow credit ratings using publicly available methodologies from S&P, Moody’s, and Fitch— generated in minutes. Upload your client’s annual report, optionally fine-tune via chatbot, and get a full S&P shadow rating cross-checked by parallel high-level Moody’s and Fitch shadow ratings, with sector scorecards, sensitivities, and an advisory memo ready to share.
No subscription. No agency fees. Published agency frameworks, packaged for analysts and advisors.
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.
Our co-analyst chatbot asks targeted questions and accepts plain-English answers — add peers, correct ratios, discuss financial policy. Skip entirely if you want, or go deep when it matters.
Primary S&P shadow rating with the full methodology (CICRA → BRP × FRP → Anchor → Modifiers → SACP → ICR), cross-checked by parallel high-level Moody's (sector scorecard) and Fitch (Sector Navigator) shadow ratings. Exportable advisory memo.
We apply the standard corporate rating flow of whichever agency you pick: country & industry risk, business and financial risk profiles, anchor, modifiers, group / government-related / sovereign caps. Every judgment ties back to a specific methodology reference — so the output is auditable end to end.
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