Days of manual spreading, done in minutes, without giving up control of the decision.
Upload scanned financials and bank statements. Baseera spreads them, evaluates them against your own rule templates, and hands back a sourced spread, projected DSCR and a cited summary, with every figure traceable to the document it came from. The numbers are computed, not generated. The summary only narrates. You decide.
No score. No approve or reject. Baseera informs the decision; you make it.
ASSESSMENTSeri Mutiara Trading Sdn Bhd· Term facility RM 800,000
Spread complete · ready for review
Income statementFY2024FY2023
Click any line to trace it back to source. Values in RM. Highlighted = currently traced.
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Confidence
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Deterministic · computed
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No model in this number. It is the arithmetic of the lines above, the same answer every run.
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Ratiosclick to trace inputs
Rule evaluationyour template · SME Term v3
DSCR ≥ 1.25 → 1.42PASS
Current ≥ 1.20 → 1.57PASS
Debt/EBITDA ≤ 3.50 → 2.63PASS
Source conf. ≥ 0.95 → 0.94REVIEW
Grounded summary
Revenue grew 13.9% to RM 4.82m FS p.14 on a 35.4% gross margin computed. Operating profit of RM 517,400 covers the proposed facility at a projected DSCR of 1.42, inside your ≥ 1.25 floor. Two figures on p.15 carried 0.94 confidence flagged; review before sign-off.
Every figure above is cited and cross-checked against the spread. The summary cannot introduce a number that wasn't computed.
A credit memo you can defend, line by line, in minutes, not days.
0
invented figures; numbers are computed, not generated
100%
of figures click back to a document, page and raw value
01 · Glass box
Numbers computed, not generated.
Every ratio is calculated the same way every time, never a value the model invented.
02 · Traceable
Click any figure back to its source.
Every line and ratio opens to the exact document, page and raw value. Nothing to take on faith.
03 · Yours to own
Your rules, your assumptions, your call.
Your templates and assumptions drive every assessment, and every change is logged for audit.
From upload to defensible memo · seven traceable steps
01
Upload
Scanned FS & bank statements
02
Spread
Auto-extracted, every line sourced
03
Compute
Ratios, calculated not generated
04
Evaluate
Against your rule templates
05
Project
Glass-box repayment path
06
Narrate
Cited summary you can defend
07
Recommend & offer
Insight, terms & e-sign
Glass-box projection
Repayment shown, not inferred.
RM 800,000 over 60 months. Projected DSCR stays above your 1.25 floor across the term, including a +2% rate stress. Every assumption is yours to edit; the arithmetic is on the page.
RM 15,980
monthly installment
1.31 to 1.48
projected DSCR range
Y1
Y2
Y3
Y4
Y5
DSCR floor 1.25
Spread the next file in minutes.
Bring a scanned set of financials. Walk away with a sourced spread, evaluated rules and a memo you can sign your name to.
