Underwrite Faster.
Monitor Everything.
Automated underwriting from first call to portfolio monitoring. Every assumption traces to its source document.
Every borrower call, captured.
Emblem transcribes borrower meetings, lender calls, and credit committee discussions — organized by deal and searchable.
Walk me through the DSCR trend. The last quarterly showed some compression.
DSCR came in at 2.4x for Q4, down from 2.6x in Q3. The dip was seasonal — raw materials costs spike in Q4. Full-year DSCR is 2.5x, well above the 1.5x covenant.
And the senior leverage ratio — where does that stand after the line draw?
Senior leverage is 3.1x after the $5M draw on the revolver. Total leverage is 4.2x. Both well within covenant thresholds. We have about 18% headroom on the senior test.
Underwriting models from source data.
Financial spreads, DSCR projections, and covenant tests build automatically from borrower financials. Every assumption traces to its source.
Credit presentations in minutes.
Turn underwriting analysis into credit committee presentations. Spreads, covenants, and risk factors flow directly from source data.
Projected Returns
$20M Senior Secured · Acme ManufacturingSource-traced credit memos.
Upload a borrower data room. Emblem reads every document, spreads the financials, and produces an underwriting memo with full citations.
Credit Underwriting Memorandum
$20M Senior Secured · Acme Manufacturing · Draft
Borrower Overview
Credit Analysis
Monitor every borrower.
Track covenant compliance, financial performance, and watchlist exposure across your entire book in real time.
Credit Portfolio
| Borrower | Facility | Outstanding | Yield | IRR | Status |
|---|---|---|---|---|---|
| Acme Mfg | Sr Secured | $20M | 11.2% | 14% | Current |
| BravoCo | Unitranche | $35M | 10.8% | 12% | Current |
| ClarityHealth | Sr Secured | $28M | 12.4% | 15% | Current |
| DeltaLogistics | 2nd Lien | $18M | 13.6% | 16% | Watch |
Plugs into your stack.
CRMs, cloud drives, AI models, and Office formats — Emblem connects to the tools your firm already uses. No migration, no lock-in.
Application to surveillance
— connected.
The financials that power your credit memo feed the dashboard that tracks covenant compliance for years to come.
SOC 2 Type II Compliant