We accelerate your surety bond analysis.
AI-automated balance sheet analysis for surety bonds and B2B credit. Multi-agent pipeline that delivers a human-ready decision in 30 seconds.
Three layers that turn
a boring task into a silent crisis.
Balance sheet analysis looks operational. But it controls cash flow, commercial pace, and your ability to compete.
Volume exploding, analysts overwhelmed
Each balance sheet is 45 to 70 min of repetitive work: open PDF, type into spreadsheet, calculate ratios, consult matrix. Your senior team becomes an Excel operator.
Every minute is cost and lost revenue
Long analysis = long queue. Long queue = policy not issued. Policy not issued = lost premium. Operations demand speed before the process can deliver.
Faster competitor wins the deal
In surety bonds, the winner is whoever responds first. If your analysis takes a day and a competitor takes an hour, the principal has already closed before your decision arrives.
From 45 minutes to 8 minutes per analysis.
One of the largest surety bond insurers in the country processed ~1,200 balance sheets per month. 90 days after go-live with VAAS, the same team was processing 4,800.
The invisible bottleneck
- 22 senior analysts dedicated exclusively to balance sheets
- 45 min average per PDF, 30 min of that just typing
- 6-day queue at peak public procurement season
- Competitors were directing brokers by response time
The client matrix, translated 1:1
- Proprietary credit policy ported into Codehub, not a generic template
- Final decision replicates the structure and language
- Shadow mode with 500 historical analyses from the client
- Integrated with existing systems · no forced tool swap
Analysis is no longer the bottleneck
- Average time dropped to 8 min end-to-end
- 4x volume, same team
Five specialized agents,
30 seconds, one decision.
Each agent does one thing extremely well. The balance sheet enters as a PDF, exits as a credit decision ready for human approval.
What comes out of the pipeline. Fully auditable.
Every decision comes with a complete trace: which pages were read, which agent ran, which matrix rule fired, which policy version was applied.
The credit matrix is yours: liquidity, leverage, coverage, ESG. The pipeline computes each code and sums it with the weights your risk team defined. Swap the matrix, the score recalculates.
Not AI guessing a number. It is your policy.yaml rule applied to the score, term, and product. Auditable, versioned, and reproducible. The committee sees exactly which version ran.
Which agent ran, which page was read, which rule fired, which policy version was applied. All recorded. If the regulator asks, you show the JSON.
How much is your operation leaving on the table?
Adjust the sliders to your reality. Numbers update in real time.
Five modules, one decision engine.
One flow from data intake to continuous monitoring. Explore the other platform modules.
Workflows
Orchestrate data, rules, AI agents and the desk in auditable flows. No deploy for every new rule.
Explore
Artificial Intelligence
Agents read the dossier, vote alongside the analyst and justify every decision.
Explore
Decision Desk
Queue, authority, dossier and committee in one screen. Human and AI decide together.
Explore
Risk Hub
Continuous monitoring of people and companies. Automatic re-analysis when something changes.
Explore
Datahub
+40 integrated bureaus, normalized into typed and auditable variables.
ExploreYour next balance sheet, analyzed in 30 seconds.
Live demo with a real PDF. You watch the credit decision being generated, not a slide presentation.