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Uptiq's Document AI reads the notes disclosure by disclosure and extracts the debt maturity schedule, operating and finance lease commitments, contingent liabilities and pending litigation, related-party balances, and subsequent events — tagged by topic and landed in the credit file alongside the spread.
Trusted by financial institutions across banking, lending & credit
What Is This
Notes to the financial statements are the 20 to 40 pages of narrative disclosure behind a borrower's audited numbers — debt maturities, contingencies, related-party dealings, commitments — that decide whether reported leverage and liquidity hold up in underwriting.
Uptiq's Document AI reads the notes disclosure by disclosure and extracts the debt maturity schedule, operating and finance lease commitments, contingent liabilities and pending litigation, related-party balances, and subsequent events — tagged by topic and landed in the credit file alongside the spread.
Debt maturity schedules sit as a five-year table inside a note, disconnected from the debt balances shown on the face of the statements
The Solution
Uptiq's Document AI reads the notes disclosure by disclosure and extracts the debt maturity schedule, operating and finance lease commitments, contingent liabilities and pending litigation, related-party balances, and subsequent events — tagged by topic and landed in the credit file alongside the spread.
The result: your team spends time on judgment calls, not re-keying audit notes data — measured across production deployments.
What Uptiq Extracts
A sample of the structured fields Uptiq's Document AI captures from this document type.
| Field | Example |
|---|---|
| Debt Maturing Next 12 Months | $1.8M |
| Going-Concern Disclosure | Substantial doubt — none noted |
| Pending Litigation | 1 matter, $250K–$700K exposure |
| Related-Party Transaction | Rent to owner-affiliated LLC, $180K/yr |
| Operating Lease Commitments | $2.4M through FY2031 |
| Subsequent Event | Revolver renewed 2026-02-10 |
| Accounting Policy Change | ASC 842 adopted FY2025 |
| Note Reference | Note 8 — Long-Term Debt |
{
"debt_maturing_next_12_months": "$1.8M",
"going_concern_disclosure": "Substantial doubt — none noted",
"pending_litigation": "1 matter, $250K–$700K exposure",
"related_party_transaction": "Rent to owner-affiliated LLC, $180K/yr",
"operating_lease_commitments": "$2.4M through FY2031",
"subsequent_event": "Revolver renewed 2026-02-10"
}Key Benefits
Uptiq's Document AI reads the notes disclosure by disclosure and extracts the debt maturity schedule, operating and finance lease commitments, contingent liabilities and pending litigation, related-party balances, and subsequent events — tagged by topic and landed in the credit file alongside the spread.
Debt maturity schedules sit as a five-year table inside a note, disconnected from the debt balances shown on the face of the statements
Contingent liabilities and pending litigation are described in prose with ranges and 'reasonably possible' hedging instead of a dollar total
Every extracted field traces back to its source page — examiner-ready documentation, every time.
100+ native integrations across loan origination systems, cores, and workflows. No new infrastructure.
Process more audit notes volume with your existing team as application volume grows.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
The audit notes arrives via email, portal, or upload. AI classifies it automatically.
Fields are extracted at 95%+ accuracy with full data lineage back to the source page.
Derived metrics and ratios are calculated automatically from extracted figures.
Structured, extracted data lands in your existing loan origination or servicing system.
Common Questions
Related Document Types
Book a 30-minute session. We'll run a live extraction demo on your own audit notes documents.
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