Percina Report
Percina provides AI-assisted credit underwriting for equipment finance, allowing analysts to upload borrower packages up to 100 MB and automatically extract financial figures into a traceable ledger and 69-row credit matrix. The platform includes an Equipment Value Forecaster covering 556 asset types across 19 verticals, and generates draft credit memos with cited, grounded answers via an AI chat interface.
- Financial Technology
- Artificial Intelligence
- Software Only
- Data & Analytics
- AI Agents
Funding
Founders
Founder details are not available yet.
Product
Problem
Equipment finance underwriting is a manual, document-intensive process. Analysts must extract financial figures from heterogeneous borrower packages, spread them into credit matrices, reconcile periods, and assess collateral values—work that is time-consuming, error-prone, and often relies on subjective judgment rather than traceable data.
Solution
Percina automates the credit underwriting workflow for equipment finance. The platform ingests borrower packages in PDF, Excel, Word, or PowerPoint (up to 100 MB per file), splits combined documents, classifies each by period and basis, and extracts every financial figure into a traceable ledger. It then spreads the data into a 69-row credit matrix, computes ratios in code, and flags unreconciled periods. An Equipment Value Forecaster charts fair-market and liquidation values for 556 asset types across 19 verticals using Grace Equipment Specialists data, aiding pricing and appraisal decisions. Analysts can generate draft credit memos and use an AI chat to query or edit reports, with all answers grounded in the uploaded documents and citations provided.
Target Audience
Primary users are credit analysts and underwriters at equipment finance companies, leasing firms, and lenders who need to assess borrower creditworthiness and collateral value for leases and loans.
Features
- Upload and automatic classification of borrower packages in PDF (including scanned), Excel, Word, and PowerPoint formats, up to 100 MB per file
- Traceable financial ledger capturing every figure from financial statements, with a 69-row credit matrix and code-computed ratios
- Automatic flagging of periods that do not reconcile, with the ability to download the spread to Excel
- Equipment Value Forecaster charting fair-market and liquidation values for 556 asset types across 19 verticals, using Grace Equipment Specialists data, against the loan balance over the deal term
- AI-generated prescreens and credit memos seeded from Percina Context, with answers grounded in borrower documents and public research, including citations and explicit "no answer" responses rather than guessing
- AI chat for dynamic querying and editing, with eight AI writing commands and the ability to save report structures as firm-specific templates
- Cross-document spread combining several years of financial statements into one reconciled view