Introducing Auquan’s Credit Agent: The first autonomous AI for credit analysis and monitoring

Today, we’re announcing the launch of our newest AI agent: the Credit Agent. This is the first and only AI agent that autonomously completes entire credit analysis and monitoring workflows to provide a comprehensive evaluation of lending opportunities and borrower performance. 

Unlike any other AI tools that merely assist analysts with research and summarization tasks, Auquan’s AI agents independently execute workflows end-to-end, from data gathering through structured reporting, freeing professionals to focus on high-value work. 

With Credit Agent, we’re not just making credit work faster; we’re transforming how it gets done, giving teams the power to scale their impact without sacrificing depth or rigor.

The need for a Credit Agent

Over the past decade, private credit has ballooned into a multi-trillion-dollar asset class, fueled by institutional investors hunting for yield and companies seeking flexible alternatives to traditional bank financing.

But while the capital has scaled, the workflows behind evaluating, monitoring, and managing these deals have not. Credit analysts remain under pressure to process ever more opportunities with fewer resources, all while maintaining rigor and compliance.

At Auquan, we’ve seen the strain first-hand. Analysts tell us they spend three to five days on a single opportunity, combing through data rooms, normalizing financials, chasing market context, and drafting memos. Up to 80% of that time is swallowed by repetitive data wrangling, leaving little room for the strategic analysis and judgment that actually drive returns.

The release of Auquan’s Credit Agent will revolutionize the way analysts work. With this innovation, credit teams can rely on a single agent to deliver a comprehensive evaluation of lending opportunities while continuously monitoring borrower performance.

How does a Credit Agent work in practice? 

Here’s what credit teams get out of the box:

• Deal Screening: Instantly evaluate opportunities against lending criteria, highlight red flags, and deliver high-level analysis.
• Borrower Assessment: Conduct complete financial health checks, analyzing liquidity, leverage, cash flow coverage, and trends over time.
• Market Intelligence: Quantify sector-specific risks, analyze competitive positioning, and surface relevant market dynamics.
• Structure Analysis: Benchmark loan terms against comparable deals, assess structural protections, and highlight risks.
• Credit Memo Generation: Produce fully formatted memos tailored to a firm’s templates and standards and ready for committee review.
• Portfolio Monitoring: Continuously track borrower performance, covenant compliance, and market signals to surface early warnings.
• Regulatory & LP Reporting: Generate standardized, accurate reports for regulators and limited partners, removing manual reporting headaches.

Together, these capabilities allow credit teams to replace days of manual effort with a single, seamless workflow.

Breaking down the data silos with comprehensive coverage

Credit teams can use Auquan to analyze proprietary internal datasets and secure data room information alongside public and subscription market data within a unified analytical framework. This comprehensive approach eliminates analytical silos and provides a complete picture that competitors cannot match, allowing for more nuanced risk assessment and opportunity identification in the private credit landscape.

Auquan processes information on any private and public company worldwide, with new company coverage added on demand within one hour. This unmatched coverage continuously draws from more than two million data sources originating in more than 76 languages, including:

• Corporate filings and disclosures
• Financial statements and presentations
• Regulatory documents and legal filings
• News and media coverage (global, local, and industry-specific)
• Industry analyses and reports
• Specialized subscription datasets

Overall, credit teams get a unified view with the depth and breadth of insight they need to evaluate opportunities confidently. 

The track record of proven success

This announcement builds on the company’s proven track record of helping teams transform complex, knowledge-intensive workflows. Since its launch in late 2023, the company’s agentic AI platform has saved customers collectively more than 50,000 hours of manual work, empowering professionals across private equity, private credit, asset management, and other institutional investment firms to focus on fulfilling and high-impact work.

A European bank with 2,700 active credits uses Auquan to transform what was previously a week-long portfolio review process into a 10-minute task. A top 20 global bank saves 1-2 days per borrower memo, while private credit teams can evaluate 2-3x more deals without adding headcount, maintaining thorough analysis while drastically accelerating timelines.

Auquan’s customers realize immediate value through turnkey solutions while supporting custom implementations for unique research and reporting requirements.

Already, 40% of the top 20 global financial institutions, including MetLife, T. Rowe Price, and Capital Group, trust Auquan to power mission-critical workflows across credit, equity research, risk monitoring, compliance, and sustainability.

Available now

The Auquan Credit Agent is available immediately, through direct purchase or the Microsoft Azure Marketplace.

Credit teams can begin saving hours of manual work within days and unlock the capacity to evaluate more deals, monitor more borrowers, and deliver more impact without compromise.