Credit analysis infrastructure for private lenders
Turn a borrower's financial statements into a scored, benchmarked, memo-ready credit assessment. Minutes, not days.
Launch appUpload the statements
Financial statements and tax returns, as they arrive from the borrower. No template to fill in first.
Figures are spread and confirmed
Junni extracts the numbers into a structured statement. You review and correct anything it read wrong before it scores.
Metrics are computed and graded
Ratios are calculated by formula, then graded against thresholds set for that industry.
The memo comes out finished
Executive summary, metric tables, strengths and risks, benchmarks and diligence questions. Export to PDF or Word.
A score you can defend in front of a credit committee
Most AI credit tools hand you a number and no way to argue with it. Junni computes the score arithmetically.
The language model writes the narrative. It does not decide the score.
Thresholds are set per industry across 21 sectors.
Every deal sits against real loan outcomes
A ratio on its own tells you little.
Both are public programs, not private credit books.
Canada Small Business Financing Program.
Resolved SBA 7(a) loans across two windows.
The memo arrives structured, not as a wall of prose
| Source | Amount |
|---|---|
| Senior term loan | 1,200,000 |
| Vendor note | 250,000 |
| Sponsor equity | 430,000 |
| Total sources | 1,880,000 |
| Use | Amount |
|---|---|
| Equipment purchase | 960,000 |
| Working capital | 375,000 |
| Refinance existing debt | 498,000 |
| Fees and closing costs | 47,000 |
| Total uses | 1,880,000 |
Built for Canadian alternative lenders, private debt funds and MCA originators.
The teams underwriting three to fifty files a month.