Upload the deal files. LUCIA analyzes financials, screens against your credit policy, generates a full credit memo with inline charts, and tells you exactly what's missing.
The Scenario
A marketplace company requests a $2.5M revenue-based credit facility. They send 47 files. Your IC meeting is Thursday.
Drag-and-drop the entire data room into LUCIA. Files are automatically classified into folders: financials, tax returns, compliance certificates, bank statements, legal documents, customer KPIs, projections.
LUCIA auto-detects the business model (marketplace), selects the Marketplace Lending Policy, and runs a full screening. Result: CONDITIONAL — meets 7 of 10 criteria. 3 gaps flagged. 12 follow-up questions generated for the founder call.
Select the "Initial Credit Memo" template. LUCIA generates an 11-section report with inline bar charts (monthly GMV, net revenue, take rate), risk assessment, and competitive context — all source-tagged and auditable. Ready for IC review.
Capabilities
15+ credit-specific templates: Initial Credit Memo, Data Room Gap Analysis, Financial Deep Dive, Quarterly Review, Annual Review, Eligibility Screening, Compliance Review, Risk Assessment, Market Analysis, Borrower Call Briefing, LP Quarterly Report.
Each template defines sections with AI prompt instructions and optional chart directives. Create custom templates by uploading an existing document — LUCIA extracts the structure.
Every report can include bar charts, line charts, area charts, stacked bars, and donut charts — rendered directly in the document alongside narrative text. No separate viewer. No rendering failures.
Charts update automatically when underlying data changes. Export to PDF with charts intact.
LUCIA scans your data room against a configurable diligence checklist. It identifies what's present, what's missing, and what's incomplete. Default checklists for SaaS, Marketplace, and General deal types.
For every gap, LUCIA generates a specific, prioritized follow-up question — ready for your next founder call.
Upload your credit policies. LUCIA extracts the screening criteria — minimum revenue, margin thresholds, DSCR requirements, concentration limits, growth targets.
Multi-model support: different policies for SaaS vs. Marketplace vs. custom business models. LUCIA auto-detects the model and applies the right policy. Three-tier result: REJECT CONDITIONAL QUALIFIED
Upload a call transcript after your founder conversation. LUCIA extracts key claims, founder quotes, strategic context, and risk signals — then maps them to the relevant sections of your existing credit memo.
Before: "Revenue up 62%." After: "Revenue up 62% — per founder, driven by a new enterprise contract with a Fortune 500 retailer signed in Q4."
Three-panel report viewer: section navigation on the left, editable content in the center, AI chat on the right. Ask the AI to make a section more concise, add supporting data, compare against policy, flag risks, or suggest questions.
Every edit is tracked. Every version is recoverable. Export to PDF or Word at any time.
Walk through a complete underwriting flow — from 47-file data room to IC-ready credit memo with inline charts.