FL Fintel Lab
Credit analysis

Credit assessment with evidence, context and accountability

Fintel brings financial performance, affordability, evidence quality, compliance and analyst review into one governed credit assessment workflow.

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credit analysis AI credit analysis credit assessment software financial due diligence

What this capability brings together

Fintel links analysis to the evidence, people, workflow and decisions around it. The result is more useful than a standalone calculator or report generator.

Affordability and DSCR

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Evidence completeness

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Risk indicators

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Review and approval workflow

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Decision history

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Post-decision monitoring

Delivered inside a governed workspace with clear context, accountable review and a reusable decision trail.

Designed for the teams responsible for capital outcomes

Different participants can work from the same evidence while receiving the role-specific experience they need.

Banks and lenders Alternative capital providers Credit committees Advisors preparing applicants

Explore the connected capital intelligence platform

Financial analysis built for capital decisions Turn financial records and operating data into governed analysis, forecasts, risk signals and decision-ready intelligence with Fintel Lab. See what the balance sheet says about capital readiness Assess liquidity, leverage, working capital, asset quality and funding capacity with evidence-linked balance sheet analysis. Turn cash movement into an actionable capital view Understand cash generation, runway, working-capital pressure and forecast scenarios before funding or investment decisions. Understand liquidity before it becomes a funding emergency Measure liquidity, cash runway, working-capital pressure and resilience with decision-ready analysis from Fintel Lab. Move from document collection to decision-ready diligence Coordinate financial evidence, analysis, requests, findings and approvals in one governed financial due diligence workspace. Know what is blocking capital before you approach the market Assess funding readiness, identify blockers, improve evidence and prepare organisations for credible capital conversations.