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CAM AI Agent
Credit Appraisal in Minutes.

A specialist AI agent that prepares comprehensive Credit Appraisal Memos – pulling financial data, calculating ratios, applying your credit policy, and structuring the complete CAM document – in minutes instead of days.

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⏱ The CAM Bottleneck

A Senior Analyst Spends 2 Days on Every CAM

Preparing a Credit Appraisal Memo is the most time-consuming step in commercial lending. Gathering financials, calculating ratios, checking bureau reports, reviewing property documents, applying credit policy rules – a thorough CAM takes a senior analyst 1–3 days.

The CAM AI Agent does this in under 30 minutes. It doesn’t replace your analyst – it hands them a fully structured, data-validated draft that they can review, adjust, and approve. Your analyst goes from 5 CAMs a week to 25.

✅ What the CAM Agent Produces

A Complete CAM Draft in 30 Minutes

Our scoring engine pulls data from 10+ sources, runs it through your custom credit policy rules, and produces a structured underwriting decision with full explainability – all within minutes of application submission.

01
Borrower Profile Summary
Borrower Profile Summary
Company background, promoter profile, group structure, key management - sourced from MCA, GST, and provided documents.
02
Financial Statement Analysis
Financial Statement Analysis
3-year P&L, Balance Sheet, and Cash Flow analysis with trend identification, working capital assessment, and profitability ratios.
03
Key Ratio Computation
Key Ratio Computation
DSCR, FOIR, LTV, ICR, TOL/TNW, Current Ratio, Debt-Equity - all calculated automatically with commentary on deviations from policy norms.
04
Credit Policy Compliance Check
Credit Policy Compliance Check
Each parameter checked against your institution's credit policy — flags deviations and policy exceptions that require sanctioning authority waiver.
05
Risk Flag Summary
Risk Flag Summary
A structured list of credit risks identified — collateral gaps, negative bureau triggers, cash flow concerns, sector risks — with risk rating recommendation.

5x Credit Team Throughput

%
Policy Compliance Checked
min
CAM Preparation Time
%
Explainable Decisions
Calculation Errors

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See the agent prepare a live Credit Appraisal Memo using sample financial documents during the demo.

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