Lend on coverage you can evidence.
Commercial mortgage decisions turn on income and coverage over the long term. Credit Canary reads rental receipts and business cashflow from the live account, derives debt service coverage, and evidences affordability beyond a filed set of accounts.
The coverage question, answered
The old way models. The AI way reads the real income.
- Rental and trading income taken on trust
- Debt service coverage modelled, not observed
- Long, document-heavy underwriting
- Portfolio stress invisible between reviews
- Rental receipts and trading income read live
- Debt service coverage derived from real cashflow
- Faster underwriting from a single connection
- Ongoing coverage monitored across the loan
AI across the commercial-mortgage lifecycle
From application to the life of the loan.
Income
Confirm rental and trading income from real incoming payments.
Coverage
Derive debt service coverage from categorised cashflow.
Decisioning
Combine business, director and Open Banking data in one decision.
Monitoring
Track coverage across the term and flag early stress.
The business account, turned into coverage
The Open Banking enrichment behind our wider work, read as debt service coverage.
Insight from across the platform
Commercial-mortgage decisions draw on the same modules and Open Banking depth as the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Underwrite coverage you can evidence.
See how Credit Canary derives debt service coverage from a live business account.