C&I is cash-flow lending — repayment comes from the business, not the building. That makes underwriting an exercise in EBITDA, leverage, coverage, and borrowing base, spread by hand across returns and statements. Uptiq automates that analytical work and hands your underwriter a decision-ready C&I package.
41% faster underwriting at 95%+ accuracy — EBITDA normalized, coverage calculated, every figure traced to source.
Trusted by financial institutions across banking, lending & credit
Because repayment rests on operating cash flow, C&I demands a deeper spread than collateral-led lending — and every layer of it is still done manually.
Underwriting a C&I deal means normalizing EBITDA with the right add-backs, computing leverage and coverage, analyzing working capital, and — for lines and asset-based facilities — building the borrowing base from AR and inventory. Then it all has to be written into a memo. It's hours of expert work per deal, most of it transcription and calculation rather than credit judgment.
Generic tooling doesn't fit C&I. Rule-based decision engines want structured inputs and can't read a tax return or an AR aging; off-the-shelf OCR stalls at 75–80% accuracy on financials. So the deep analytical work stays manual, cycle times stretch, and good operating companies wait while faster lenders move.
Uptiq automates everything between a complete C&I file and a credit-ready package — EBITDA, leverage, coverage, working capital, borrowing base, and a cited memo — at 95%+ accuracy with full lineage.
Business financials and tax returns are extracted at 95%+ accuracy and EBITDA is normalized with appropriate add-backs — from actual source values.
Debt/EBITDA, DSCR, fixed-charge and interest coverage, and working-capital metrics calculate automatically and consistently on every deal.
For lines and ABL, the borrowing base is built from AR and inventory, and risk, concentration, and policy exceptions are flagged.
A credit memo assembles in your template, every conclusion linked to source. Your underwriter reviews, structures, and decides.
The result: 41% faster underwriting cycles, 63% less credit memo prep, and 3x more deals per analyst — measured across 150+ financial institutions in production.
Uptiq analyzes the dimensions that decide a C&I credit — across every facility type in your book.
Repayment analyzed from operating cash flow and normalized EBITDA — the core of any C&I credit.
Adjusted EBITDA + add-backsDebt-to-EBITDA and debt-to-worth computed from source, tested against your credit policy.
Debt / EBITDA · Debt / worthDSCR, fixed-charge, and interest coverage calculated consistently on every deal.
DSCR · FCCR · interest coverageCurrent ratio, working capital, and the cash conversion picture that drives a revolver.
Working capital · current ratioEligible AR and inventory built into an availability figure for lines and ABL facilities.
AR + inventory eligibilityGuarantor cash flow folded into a global view where the credit depends on it.
Global cash flow · guarantorsFrom complete file to credit decision, C&I underwriting compresses by 41% on aggregate — winning deals slower lenders lose on speed.
EBITDA normalization and leverage math run the same way on every deal, removing the analyst-to-analyst variance examiners probe.
AR and inventory reports feed an availability figure automatically, so lines and ABL facilities aren't a separate manual exercise.
Accuracy certified by former underwriters, with every figure traced to source — audit trail built for examiners and credit review.
The C&I credit memo drafts in your template from the analysis, so analysts review a cited write-up instead of building it from scratch.
100+ native integrations across LOS, cores, and decision engines. Uptiq feeds your existing C&I workflow — no rip-and-replace.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Business returns, financials, AR/AP aging, and inventory or borrowing-base reports arrive from intake.
Financials spread at 95%+ accuracy; EBITDA, leverage, coverage, and borrowing base compute from source.
Risk and policy exceptions are flagged and a cited C&I credit memo drafts in your template.
Your underwriter reviews the package, sets structure and covenants, and makes the credit call.
150+ financial institutions run Uptiq's AI agents to prepare C&I credit decisions faster — with judgment firmly in human hands. See it on your own deals.
Book a 30-minute session. We'll spread EBITDA, compute leverage and coverage, and build the borrowing base on your own C&I document set.
See how Uptiq spreads EBITDA, computes leverage and coverage, and builds the borrowing base on your own C&I deals.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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