Built for term & C&I lending
C&I credit rests on the business behind it. Wagoo reads the financial statements, tax returns, and debt schedule, spreads them, and drafts a confidence-scored memo with risks cited to the source document, so committee gets a consistent, defensible write-up every time.
Full financial spreads
Historical and interim statements spread automatically, with coverage, leverage, and liquidity surfaced.
Risks with citations
Every flagged risk links back to the exact document and page, so the memo holds up in committee.
From decision to servicing
Approved deals carry into a serviced loan with covenants, maturities, and payments tracked.
Underwritten on what matters for this deal
Wagoo's product-aware underwriting reads the package and surfaces the figures that decide term & C&I lending credits, every one confidence-scored and cited to its source document.
- Debt-service coverage and fixed-charge coverage
- Leverage and balance-sheet strength
- Revenue and margin trend
- Ownership, guaranties, and the debt schedule
| Line Item | FY-1 | Interim |
|---|---|---|
| Revenue | 14,250,000 | 7,890,000 |
| EBITDA | 2,140,000 | 1,205,000 |
| Fixed-charge coverage | 1.38x | 1.48x |
One platform, the whole loan
Origination, underwriting, and servicing: the same term & C&I lending deal, start to finish.