Crediflow AI

Diligence

ApprovedEditorial, unpaid

Crediflow AI is a UK-based company building AI credit infrastructure for commercial lenders. Its platform ingests financial statements, tax returns and bank statements, spreads the financials, runs ratio, cash-flow and debt-service analysis, and supports deal screening, risk and due diligence and portfolio monitoring. On October 8, 2026 it launched Flow Credit Memo, which drafts credit committee papers in each lender's own Word template, drawing on financial spreads, bank statement analysis, borrower risks and disclosures, with figures traceable to the underlying borrower records. Crediflow names commercial banks, asset finance providers, structured finance lenders and private credit funds as the lenders it is built for; analysts review and validate every memo before it goes through their institution's approval process.

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Key features

Flow Credit Memo: drafts credit papers in the lender's own Word template, including sections, styling and approval blocks
Automated financial spreading plus ratio, cash-flow and debt-service analysis
Bank statement analysis (Flow Bank Statement)
Deal screening and risk and due diligence on borrowers, sponsors and covenants
Source traceability from memo figures back to borrower records; Word and PDF export
Targeted requests for missing disclosures, and in-platform review before export