Upload P&L, BAS, balance sheets. Get DSCR, 20+ financial ratios, 5 C's severity findings, and an AI credit memo - in minutes. Configurable per lender. Every number traceable.
Your documents go in. A fully traced credit assessment comes out.
Drop P&L, BAS, Balance Sheet, Tax Returns, Valuations, Trust Deeds. The system classifies each document and extracts the numbers automatically.
DSCR, margins, leverage, liquidity - 20+ ratios computed instantly. Stressed scenarios included. Multi-year trends analysed.
Revenue in the P&L doesn't match BAS? Wages don't reconcile with tax? Every discrepancy is flagged with the source documents side by side.
Your lending policy is applied automatically. Findings are grouped by the 5 Cs - each showing exactly what triggered it and the severity level.
A structured credit narrative with findings, source citations, and recommendations. Ready for credit committee. Every number traceable.
Not another black-box AI. Every rule is configurable. Every number is traced.
Every threshold, every limit, every tolerance - configurable per product. Prime, Near Prime, Specialist tiers with different LVR limits, credit tolerance, and ABN requirements.
ABN/GST verification via ABR. BAS cross-checks. Credit impairment tiers by product. Trust deed extraction with borrowing powers gate. Designed for Australian commercial regulation.
Company or trust borrower. Multiple securities with blended LVR. Individual guarantors. Loan splits across tranches. Borrower declarations mapped to rules. IO vs P&I dual DSCR.
"DSCR 1.10 below comfort threshold 1.25 - HIGH severity." No black box. Every ratio traced to its source document. Analysts trust what they can see.
Pty Ltd with ACN/ABN verification, director governance rules, financial spreading, DSCR calculation, and 37 configurable assessment rules.
Family, unit, discretionary - trust deed extraction, borrowing powers gate, trustee ABN verification, and trust-specific governance rules.
Personal lending with income verification, expense analysis, and surplus-based assessment. Coming soon via consumer engine integration.
Self-managed super fund with SIS Act compliance and LRBA checks. On the roadmap.
What takes your team days, Ragsha does in minutes - with full audit trail.
See Ragsha assess a real commercial deal in 10 minutes. Bring your own P&L and BAS - we'll run it live.
Request a DemoNo commitment. 30-minute walkthrough. Bring your own documents.