Qore by Uptiq helps credit teams evaluate repayment capacity, verify policy requirements and review exceptions. Every recommendation is grounded in borrower evidence and your institution's credit policy, with human judgment kept in charge.
$1,200,000 term loan · CL-2048
| Policy test | Reference | Borrower | Result |
|---|---|---|---|
| Debt-service coverage | Policy §4.2 | 1.29x | Pass |
| Leverage | Policy §4.3 | 3.61x | Pass |
| Collateral coverage | Policy §5.1 | Meets | Pass |
| Guarantor liquidity | Policy §7.1 | Pending | Exception |
Illustrative Qore workspace · sample borrower data and policy
Two analysts can reach different conclusions when they work from memory or from different versions of the policy document.
A coverage ratio is hard to defend when reviewers cannot trace the calculation back to the borrower file.
Credit officers need to see which requirements failed, why an exception is proposed and what still needs verification.
See how consistently your policy is applied today, on one of your own credit files.
Qore is decision support for analysts and credit officers. It is not a black-box replacement for your institution's credit judgment.
Qore grounds every review in your own credit knowledge base, not in general lending guidance from the internet.
Reviewed spreads and source citations let credit teams examine the evidence behind every ratio.
Role-based access, recorded actions and human review keep approval authority visible.
| Capability | Generic AI | Qore |
|---|---|---|
| Answers from your own credit policy, with the section cited | ||
| Every ratio traced back to the borrower file | ||
| Lending skills: spreading, cash flow, DSCR and leverage | ||
| Policy passes and exceptions shown separately | ||
| Role-based access for people and agents | ||
| Audit log of every query and action | ||
| Borrower data kept out of model training | Unclear |
Compare it against the AI tools your credit team is using today, on one real review.
Credit decision support for analysts and officers, with final judgment kept by your institution.
Extract and spread borrower financials with references to the source documents. Review questionable fields before they influence the recommendation.
Calculate cash flow, debt-service coverage and leverage from the reviewed spread. The inputs and adjustments stay visible to whoever assesses the risk.
Qore checks product requirements and credit criteria against your private knowledge base, and shows the applicable section next to the borrower metric.
Exceptions are made explicit instead of disappearing inside a recommendation. Credit officers review the rationale and any required conditions.
Draft the credit rationale with supporting financials, policy references and outstanding conditions. Reviewer sign-offs and governed activity stay on record.
Illustrative workspace · sample borrower data and policy
Prepare evidence-backed risk analysis and explain every proposed adjustment.
Review the policy tests and open exceptions before you decide.
Inspect the sources, policy references and review record, ready for examiners.
Apply one policy framework across the team while keeping expert judgment.
Tell us which credit workflow you want to start with. We will show it on a real file.
Qore brings role-based access, audited queries, team token budgets and your private credit-policy knowledge base to lending work. Your institution sets the review requirements and keeps decision responsibility.
A credit score summarizes aspects of risk into a number. Credit decisioning is broader: it weighs financial evidence, repayment capacity, product criteria, policy exceptions and approval authority. Qore supports that analytical, governed review; it is not a proprietary scoring model.
Yes. Qore's knowledge base grounds answers in your institution's policies and procedures, not a generic model's reading of lending rules.
No. Qore prepares recommendations for authorized human review. Your institution keeps responsibility for every credit decision.
No software alone guarantees compliance. Source references, access controls and recorded activity support your review, while your institution stays responsible for model governance and decision oversight.
Most teams start with one workflow. A single agent typically goes live in 5 business days, and a multi-agent suite in around 30 days.
Bring a recent credit request and your policy. We'll show you the spread, the policy tests and the exceptions on your own documents.
© 2026 Uptiq · Qore by Uptiq, governed AI for credit decisioning · Privacy policy
Bring a recent credit request and your policy. We'll show you the spread, the policy tests and the exceptions on your own documents.
A 30-minute conversation with our lending team. No prep needed, and we never share your details.