NextAutomation x Banbridge Capital
AI Credit Officer Review
& Approval System
Two integrated AI modules for automated credit analysis and human-in-the-loop approval -- built specifically for hotel construction lending.
From financial data to approved credit memo -- fully automated, fully yours
Section 1
The Problem
Hotel construction lending involves complex, multi-document analysis that eats analyst time and slows deal velocity.
Time-Intensive Credit Review Process
Every hotel loan requires pulling data from multiple documents -- P&Ls, STR reports, appraisals, construction budgets, borrower financials. A significant portion of analyst time goes to data extraction and spreadsheet entry rather than actual credit judgment.
Inconsistent Financial Analysis Across Deals
Hotel financials come in every format -- different operators, different chart of accounts, different reporting periods. Without a standardized analysis framework, each deal gets a slightly different treatment, making portfolio-level comparison difficult.
Credit Memo Drafting is a Bottleneck
After the analysis is done, someone still needs to write the credit memo -- synthesizing all findings into a structured narrative for review. It is one of the harder steps to delegate because it requires understanding the full deal picture.
Speed Matters in a Competitive Market
In a competitive lending market, turnaround time is a differentiator. The faster your team can move from loan package to credit decision, the more deals you can evaluate and close.
Section 2
The Solution
Two integrated modules that take a hotel loan from financial data to approved credit memo -- with AI handling the heavy lifting and your team making the decisions.
Automated Credit Analysis
DSCR, LTV, Debt Yield + 5-Scenario Stress Testing
Once data is extracted, the system runs a complete credit analysis automatically -- calculating every ratio, running stress scenarios, and generating a risk score with evidence. What takes an analyst 8+ hours is done in minutes.
Financial Ratio Calculation
The system computes all standard hotel lending ratios from the extracted data: DSCR (trailing, stabilized, and stressed), LTV, LTC, debt yield, cash-on-cash return, breakeven occupancy, and operating expense ratio. All calculations are transparent and auditable.
DSCR: 1.42x (trailing) | 1.58x (stabilized)
LTV: 68.2% | LTC: 72.1% | Debt Yield: 9.8%
Breakeven Occ: 58.3% | OpEx Ratio: 61.2%
Credit Officer Review & Approval
AI-Generated Credit Memo with Human-in-the-Loop Approval
The system generates a complete credit memo from all the analysis -- ready for senior review. Credit officers review, annotate, and approve or request changes through a structured approval queue. Full audit trail for compliance.
AI Credit Memo Generation
Claude AI synthesizes all extracted data, credit analysis, stress tests, and risk scoring into a polished credit memo following your internal template: Executive Summary, Deal Structure, Borrower Profile, Financial Analysis, Risk Assessment, Conditions & Covenants, and Recommendation.
CREDIT MEMO -- Oceanview Hotel & Suites
142-key new construction | $28.5M loan request
Recommendation: APPROVE with conditions
Explore the Live Demo
Walk through the interactive prototype built specifically for Banbridge Capital's hotel lending workflow. See every module in action with realistic data.
Section 4
Technology Architecture
Our approach to architecture -- specifics will be defined during the Week 1 audit based on your existing systems and requirements.
AI-Powered Analysis
We work with the best models available for financial document understanding and credit analysis. Currently Claude (Anthropic) is leading in benchmarks for this type of work, but the final model selection will be confirmed during the audit phase.
Best model for the jobModular Architecture
The system is designed so the AI layer can be swapped without touching application code. As new models come out, you can reconfigure without rebuilding. No vendor lock-in.
No vendor lock-inOpen API Design
The system can integrate with your existing tools and data sources via APIs. Specific integrations will be scoped during Week 1 based on what you are currently using.
Connects to your existing stackFull Code Ownership
You get the complete source code, deployed on your infrastructure. No SaaS dependency, no monthly platform fee. Your team maintains and extends it as needed.
Deployed on your infrastructureSection 5
How We Work
4-week delivery timeline from kickoff to handoff. We build it, deliver the code, you own it.
Audit & Scope Definition
Deep-dive into your current credit review workflow. We map every step: how financials are spread, how credit memos are structured, what your approval chain looks like, and how lending-specific requirements fit in. No building -- just understanding your process.
AI Credit Analysis + Stress Testing Engine
Financial ratio calculation (DSCR, LTV, debt yield), stress testing scenarios, and AI risk scoring. Calibrated against your credit criteria and covenant standards. Tested with real hotel loan data.
Credit Officer Review & Approval Pipeline
AI credit memo generation, structured review queue, approve/decline with conditions, and full audit trail. Connected to the analysis engine output.
Integration, Testing & Handoff
End-to-end testing with real loan packages. Full source code delivery, documentation package, and recorded walkthrough. The system is yours.
Section 6
Investment
One-time build. Full handoff. No ongoing fees.
Complete System -- Build & Deliver
$6,500
One-Time Investment
AI Credit Analysis + Stress Testing
$3,500
Credit Officer Review & Approval Pipeline
$3,000
50% Upfront
$3,250
Due at project kickoff
50% at Delivery
$3,250
Due at final handoff
Option A: Full Handoff
$6,500 one-time
We build it, deliver the complete source code, deploy it on your infrastructure, and hand over everything. Full documentation, recorded walkthrough, and a training session with your team. You own it and maintain it yourselves.
Option B: Build + Maintain
$6,500 build + ongoing maintenance (pricing TBD based on scope)
Same full build, but we continue maintaining the system after handoff -- updates, improvements, monitoring, and support. Maintenance pricing determined based on scope and SLA requirements.
What's Included in the Handoff
Section 7
Proof of Work
Safari Ventures -- Off-Market Lead Generation
4,951 off-market real estate leads sourced across 3 Bay Area counties. Built in 4 weeks. Fully automated daily delivery with enrichment scoring and contact verification. The system runs autonomously -- zero manual input after deployment.
4,951
Leads Sourced
3
Counties Covered
4 Weeks
Build Time
Section 8
The Team
Lucas Eschapasse
CEO
In charge of communication, project management, and leading the discovery and audit process. Your direct point of contact throughout the engagement.
Sasha Deneux
CTO
In charge of supervising the developers building the systems. Oversees technical delivery, architecture decisions, and ensures production-grade quality.
Ready to Get Started?
Let's finalize scope and kick off Week 1. Book a call to walk through the demo together and align on next steps.
Confidential -- Prepared exclusively for Morgan Sickles & Phil Lezar, Banbridge Capital
Prepared by NextAutomation -- April 2026