martini.ai Launches Financials Agent to Instantly Analyze Credit Risk Using AI

PALO ALTO, Calif.--(BUSINESS WIRE)--martini.ai, a leader in AI-driven credit risk analysis, today introduced Financials Agent, an AI-powered tool that lets users upload financial documents — such as 10-K filings — and instantly generate a financial risk report. Instead of spending hours manually extracting data and calculating credit scores, professionals can now get a full financial assessment in just minutes.

AI Agents That Do the Heavy Lifting, With Full User Control

Credit professionals deal with thousands of financial reports, each requiring careful analysis to extract key financials, compute credit scores, and flag risks. Doing this manually is slow, complex and prone to human error.

Financials Agent changes that. Using AI, it automatically:

• Extracts key financial data – Income, debt, liquidity and cash flow figures are pulled directly from documents.
• Generates instant risk reports – Credit scores are recalibrated based on the latest financials.
• Identifies red flags – Trends in leverage, liquidity and profitability are highlighted.
• Prioritizes security – By default, all uploaded financials data is immediately deleted after processing for full privacy.

But AI doesn’t replace professional judgment — it enhances it. Credit professionals have full control over the process. While the agent does the heavy lifting, users can verify and correct extracted metrics, tweak benchmarks, and adjust credit scoring weights for a tailored analysis.

Smarter, Faster Credit Risk Assessment With AI

Financial professionals no longer have to rely on outdated credit scores or incomplete third-party reports. Whether assessing an investment or managing counterparty risk, users can leverage AI-driven analysis to get an accurate, real-time view of a company’s financial health.

“Our AI agents are built to automate the toughest parts of credit analysis while keeping professionals in control,” said Rajiv Bhat, CEO of martini.ai. “With Financials Agent, you can upload a document, verify key metrics, and get a full financial risk report along with key weaknesses in minutes — without the hassle.”

Financials Agent is now live on martini.ai, giving credit and investment professionals a faster, smarter and more AI-driven way to assess credit risk.

Rajiv will be speaking at the LSTA 2025 Operations and Technology Conference on April 9, 2025. He will join industry leaders on the panel “The Potential of Technological Innovation for the Private Loan Market” from 3:40-4:20 p.m. The discussion will explore how next-generation technologies like AI, machine learning, and cloud computing can transform private credit operations. Rajiv will share insights on implementing rules-based intuitive workflows to address complex operational challenges, drawing on martini.ai’s expertise in streamlining processes for financial institutions.

About martini.ai

martini.ai is an AI-driven fintech company specializing in credit analytics for institutional investors, risk managers, and corporate financial teams. The company continues to set the standard for AI-driven financial intelligence for corporate credit, giving clients the tools they need to stay ahead in an unpredictable world. By leveraging machine learning and sophisticated data models, martini.ai delivers real-time insights that drive smarter decision-making. Headquartered in Palo Alto, California, the company serves clients worldwide with cutting-edge solutions that streamline credit risk evaluation and portfolio management. For more information, please visit www.martini.ai, and follow the company on LinkedIn.

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Tags: martini.ai, Financials Agent, Rajiv Bhat, credit analysis, credit intelligence, institutional investors, credit investors, institutional investors, risk managers, asset managers, risk assessment, fintech, credit risk, portfolio management, portfolio monitoring, financial services, private credit, private lenders