Municipal Credit Analysis
Built for Scale
Surface insights from disclosures in seconds, not hours. Our AI-powered data platform helps municipal credit analysts quickly and accurately identify risks, metrics, financials, and trends across thousands of disclosures.
The Challenge of Municipal Credit Analysis
Municipal credit analysts face a unique challenge: thousands of issuers, each with their own disclosure schedule, financial metrics, and risk factors buried in hundreds of pages of official statements and disclosures.
Document overload
Sifting through hundreds of pages of official statements, CAFRs, and disclosure documents to find relevant information is time-consuming and error-prone.
Time pressure
With thousands of municipal issuers to monitor and analyze, there's never enough time to conduct thorough research on every entity in your universe.
Hidden insights
Critical information about covenants, financial trends, and risk factors is often buried deep within complex documents, making it easy to miss key details.
Foundation
Entity Master: The backbone of credit intelligence
Our Entity Master is a centralized database of canonical issuers and obligors, with links between different name variations to a single source of truth.
- Link CUSIPs to financials, news, and disclosures automatically
- Handle DBAs, acronyms, and name changes transparently
- Connect extractions across different document types to the same entity
Interactive analysis
Deep Dive: Conversational credit research
Ask questions in natural language and get precise answers backed by source documents. Our AI agent navigates through official statements and disclosures to surface the information you need—with every datapoint linked back to the exact page.
- Filter by document type, filing type, and time period
- Full audit trail with page-level citations
- Follow-up questions maintain context
Based on the annual financial reports:
- • FY2024: 1.85x
- • FY2023: 1.72x
- • FY2022: 1.68x
Customizable reports
Tear Sheets: Your top facts, generated on demand
Muni analysts, PMs, and traders don't all care about the same "top facts." Create customizable tear sheets for any security and entity, choosing what matters most—key terms, security details, issuer financials, metrics, recent updates—in a clean, consistent format.
- Generate for many entities at once
- Every datapoint links to underlying source material
- Verify quickly and move with confidence
Automated extraction
Metrics: Extract any number, for any borrower, across time
Extract any financial or operational metric, for any obligor, for any time range—and be alerted when new disclosures update those metrics. Track DSCR, days cash on hand, enrollment figures, or create your own proprietary metrics.
- Each value includes formula, components, and page references
- Predefined common metrics plus fully customizable definitions
- Set alerts like "DSCR drops below 1.5x" across your universe
How It Works
Get started in minutes and transform the way you analyze municipal credits
Search for municipal borrowers by CUSIP and add them to your surveillance watchlist.
Choose which metrics to track, set time ranges, and customize tear sheet templates for your needs.
Our AI extracts data from relevant disclosures and presents results with full source attribution.
Receive alerts when new disclosures are published or when metrics cross your defined thresholds.
Search for municipal borrowers by CUSIP and add them to your surveillance watchlist.
Choose which metrics to track, set time ranges, and customize tear sheet templates for your needs.
Our AI extracts data from relevant disclosures and presents results with full source attribution.
Receive alerts when new disclosures are published or when metrics cross your defined thresholds.
Powered by Comprehensive Reference Data
Our Credit Intelligence Platform is built on top of our extensive municipal bond database, giving you the full context you need
Built for Your Workflow
Whether you're conducting initial research, ongoing monitoring, or in-depth analysis, our platform adapts to your needs
Initial credit assessment
Quickly evaluate a new issuer by extracting key financial metrics, covenants, and risk factors from their most recent disclosures.
Example use cases:
- • Generate tear sheets for 50 new bonds in your pipeline
- • Extract DSCR history across all healthcare obligors
- • Compare liquidity metrics across similar credits
Portfolio surveillance
Monitor financial trends across your entire portfolio. Get alerts when key metrics deteriorate or when new disclosures reveal material changes.
Example use cases:
- • Alert when any holding's DSCR drops below covenant level
- • Track enrollment trends across charter school portfolio
- • Monitor reserve fund balances quarterly
Deep-dive research
Conduct comprehensive credit analysis with access to historical disclosures and extracted data points spanning multiple years.
Example use cases:
- • Trace revenue trends through 5 years of CAFRs
- • Analyze capital spending impact on debt metrics
- • Review management forecast accuracy over time
Time savings at scale
Do in minutes what previously took weeks. Cover your full universe without the traditional coverage-timeliness trade-off.
Example use cases:
- • Extract metrics from 1,000+ disclosures overnight
- • Generate weekly surveillance reports automatically
- • Respond to RFPs with comprehensive credit summaries
Ready to Transform Your Credit Analysis?
Join forward-thinking analysts who are using AI to extract, track, and analyse municipal credit data at scale
Book a Demo