Institutional Underwriting Infrastructure
AI-Native Underwriting Infrastructure.
Commercial lending, rebuilt for credit teams who require source-linked intelligence, operational discipline, and human judgment at the center of every decision.
100%
Source-linked extraction
LOS-adjacent
No rip-and-replace
Global
US & Caribbean depth
Sunrise Hospitality Group
Term Loan · $25,000,000 · US
Memo draft · analyst review
Borrower demonstrates improving coverage with normalized EBITDA growth. Covenant headroom adequate at current leverage trajectory. Recommend committee review of hospitality sector exposure.
Platform
Operational intelligence for modern credit teams.
Seven interconnected capabilities — engineered as infrastructure, not a feature checklist.
Deal Workspace
Unified operational surface for spreads, memos, review, workflow, and documents — one deal, one truth.
Document Intelligence
Classify, extract, and structure entire borrower packages with page-level evidence on every field.
Auto-Spreading
Deterministic financial logic transforms extracted data into spread-ready metrics and period comparisons.
AI Memo Generation
Draft committee-ready narratives and analyst notes — always editable, never autonomous lending authority.
Workflow Automation
Compress document chase, review queues, and exception routing without replacing your LOS.
Institutional Memory
Overrides, dismissals, and analyst rationale compound into auditable institutional knowledge.
Risk Intelligence
Cross-document validation, covenant signals, and exception surfacing built for credit judgment.
Underwriting Workspace
Bloomberg discipline.
Palantir operational depth.
Multi-document workflows, spread tables, memo drafting, risk review, covenant monitoring, and evidence panels — in a single deal workspace designed for institutional credit operations.
Financial spreads
FY23–FY24 loaded
Memo generation
Draft ready
Risk review
2 exceptions open
Covenant monitor
DSCR 1.41x
Evidence panel
Revenue $14.1M — sourced from Financial Statements FY24, page 12. Extraction confidence 98%. Analyst override available.
Document Intelligence
From fragmented packages to auditable intelligence.
The document intelligence engine sits between borrower files and credit judgment — classifying, extracting, validating, and citing every material field.
OCR & classification
Ingest financials, tax returns, rent rolls, KYC, and compliance documents across US and Caribbean regulatory contexts.
Structured extraction
Transform unstructured PDFs into spread-ready fields with deterministic validation — not black-box predictions.
Evidence traceability
Every value links to source document, page, snippet, and confidence score. Click any field to verify.
AI-assisted analysis
Accelerate analyst preparation with narratives, risk flags, and package summaries — humans retain lending authority.
Document Intelligence Pipeline
Ingest
Multi-format PDF intake
Extract
OCR + structured fields
Validate
Cross-document checks
Evidence
Page-level citations
Enterprise Trust
Built for institutions that cannot compromise on control.
Transparency over persuasive AI. Evidence before automation. Analyst authority preserved at every layer.
Auditability
Full activity trails on overrides, dismissals, memo edits, and workflow transitions. Every action attributable to an analyst.
Security posture
API key authentication, environment isolation, and deployment patterns designed for institutional pilot requirements.
Human override standard
Samforix augments underwriting judgment. Analysts accept, override, or reject every material intelligence output.
Compliance-oriented review
Review workflows, exception management, and evidence panels structured for credit committee and regulatory scrutiny.
Vision
Global financial infrastructure,
born from Caribbean ambition.
Samforix is building the underwriting operating layer for a new generation of lenders — community banks, SBA shops, CRE firms, and private credit platforms across the United States and the Caribbean. AI-native operations. Institutional discipline. Calm confidence.
Deep ocean tones. Warm gold accents. The precision of elite engineering — with the understated atmosphere of modern island futurism. Not tourism. Not cliché. Infrastructure with origin story.
United States
Community banks · SBA · CRE · Private credit
Caribbean
Jamaica depth · Regional regulatory intelligence
Enterprise trajectory
Underwriting OS · Institutional memory · Global scale