From raw deal data to lender-ready.

The operating system for private credit brokers. Documents, traceable analysis and lender matching on one record per deal.

Request a demo See how it works

A product by ABSG Capital · 60-day Early Access to Broker Pro

Pick a deal to run it
Illustrative data
Atlantic Capital / Deals

Sunrise Logistics

$12.5M · Senior secured term loanIndustrial · Texas
Up to date · term sheets in
Intake
Documents
Analysis
Matching
Term sheets
Closed
Deal Score Strong
82
Issues
3open
Documents 2 pending
18/ 20
Extracted factsAI draft · needs review
  • EBITDA FY2025$4.21MAudited FS 2025 · p.14
  • Total debt$13.1MDebt schedule · row 9
  • Revenue FY20242 valuesP&L $18.2M vs. tax return $17.6M
Lender matches3 of 212
  • NBNorthbridge CreditSenior · $5–25M94%
  • HCHarbor CapitalUnitranche · TX88%
  • MPMeridian PartnersAsset-based71%

One record, from first document to closed loan.

Every module writes back to the same Deal. Context never gets lost between analysis, lenders and closing.

Every deal, client and document in one place.

Organizations, users, clients, deals, documents, tasks and the full activity history, with permissions and data isolation per organization from day one.

DealsAtlantic Capital · 14
DealClientStageAmount
Sunrise LogisticsSunrise Holdings LLCTerm sheets$12.5M
Cobalt Ridge ApartmentsRidge RE PartnersTerm sheets$28.0M
Andes Agro ExportAndes Agro S.A.Documents$6.2M
Bayview Medical PlazaBMP HoldingsClosed$9.8M
TasksThis week
Request 2025 audited FSSunrise · Maya Chen
Resolve revenue mismatchSunrise · Thu
Follow up Harbor RFICobalt Ridge · Fri
HistorySunrise
Rent roll uploaded10:42
Debt schedule verifiedMaya Chen · 09:15
Shared with NorthbridgeYesterday

A credit file that cites its sources.

It reads the documents, extracts financial data with traceable sources, calculates ratios, flags risks and contradictions, and drafts an editable credit report.

AI Deal Analyst · Sunrise LogisticsDraft · editable
DSCR
1.42x
Strong
Net leverage
3.1x
Strong
LTV
61%
Moderate
Top customer
38%
Needs improvement
Issues3
Revenue FY2024 differs by sourceP&L $18.2M · Tax return $17.6M
Customer concentration at 38%AR aging · Dec 2025
Lease ends before loan maturityLease agreement · §4.2
Credit reportv3

Sunrise Logistics generated $4.21M EBITDA in FY2025, supporting a DSCR of 1.42x on the proposed facility.

Main risk: customer concentration. A covenant package should address it.

The right lenders, by their own criteria.

Criteria, rules and exclusions for every lender, plus the relationship memory: preferences, notes and interaction history. Import your list in bulk.

Matching · Sunrise Logistics212 lenders evaluated
LenderWhyFit
Northbridge CreditSenior · $5–25MTicket Sector Geography94%
Harbor CapitalPrefers unitrancheTicket Geography Structure88%
Pacific Mezz FundExclusion ruleExcludes logistics—
Northbridge CreditRelationship
3–5 yr tenor, senior secured, U.S. SouthPreferences
“Moves fast when the model comes with sources.”Note · Daniel R.
4 deals reviewed · 1 closed · 2 passedHistory

One deal, packaged for each lender.

A summary written to each lender’s mandate, with the documents that lender usually asks for. You review and approve before anything is shared.

Package · Northbridge CreditDraft · you approve before sharing
Lender summaryWritten to its mandate

Senior secured $12.5M term loan for an established Texas logistics operator, inside Northbridge’s $5–25M senior mandate in the U.S. South.

Opens with DSCR and collateral coverage, the two items Northbridge weighs first.

Suggested documentsFrom lender requirements
Audited financial statements 2023–2025Included
Debt schedule and collateral listIncluded
Quality of earnings reportUsually requested · not uploaded yet

Lenders answer inside the deal.

RFIs, comments and term sheets arrive in the same record, so you compare offers side by side and know who is waiting on what.

Term sheets · Sunrise Logistics3 received
LenderPricingTenorStatus
Northbridge CreditS + 5255 yrsIn review
Harbor CapitalS + 5754 yrsRFI open
Meridian PartnersS + 6105 yrsReceived
RFI #2 · Harbor CapitalOpen
Harbor CapitalCan you share contracts for the top 3 customers?
Atlantic CapitalUploading now. The largest contract renews in 2027.

Closed deals keep working for you.

Conditions, maturities and status of every closed operation, with an informational calendar and reminders ahead of refinancing windows.

PortfolioClosed operations · informational
OperationLenderMaturityStatus
Bayview Medical PlazaHarbor Capital06/2031Performing
Lone Star Cold StorageNorthbridge Credit02/2027Refi window
Valle Verde HotelMeridian Partners11/2029Performing
Calendar 2027Maturities and key dates
MaturityCovenant test

Every number points back to its page.

The AI Deal Analyst prepares the groundwork and shows its work. Brokers and lenders make the credit call.

Sunrise Logistics LLCAudited FS 2025 · p.14
Line item20252024
Revenue18,940,00018,200,000
Cost of services(12,310,000)(11,950,000)
Operating expenses(2,420,000)(2,310,000)
EBITDA4,210,0003,940,000
Depreciation(1,060,000)(1,010,000)
Interest expense(980,000)(1,020,000)
Income tax(630,000)(520,000)
Net income1,540,0001,390,000
Illustrative document14 / 32
Revenue FY2024Contradiction
$18.2M vs $17.6M
This page vs. tax return 2024 · p.1
EBITDA FY2025Verified
$4,210,000
Audited FS 2025 · p.14 · line 4
DSCR (calculated)Calculated
1.42x
From EBITDA, interest and the debt schedule

Traceable facts

Each extracted figure links to the document, page and line it came from.

Contradictions surfaced early

Mismatches between sources are flagged before a lender finds them.

Drafts, never decisions

Reports and packages are editable drafts. LatOS supports the work; it does not decide credit.

Built around the broker. Open to the lender.

With Lender Lite, lenders work on exactly what you share, inside the deal, instead of in an email thread.

Borrower portal: on the roadmap. The permissions model it needs is already in place.

lenders.latos.com/northbridge/sunrise
Illustrative data
Sunrise LogisticsShared by Atlantic Capital · Lender Lite
Northbridge Credit
Shared documents3
Credit summary.pdfAtlantic Capital
Audited FS 2025.pdfVerified
Debt schedule.xlsxVerified
RFI #1Answered
NorthbridgePlease confirm the lease term on the main facility.
Atlantic CapitalLease runs to 2031, renewal option attached.
Term sheetAwaiting acceptance
Amount$12.5M
PricingSOFR + 525
Tenor5 years
Amortization2.5% / yr
Every number has a page.
Every deal has one record.
LatOS

The operational details, handled.

Everything an organization needs to run deals on LatOS lives in its own settings.

app.latos.com/settings/permissions
Illustrative data

Permissions & isolation

Isolated · 4 roles

Atlantic Capital · your organization

  • Sunrise Logistics$12.5M
  • Cobalt Ridge$28.0M
  • Andes Agro$6.2M

Another organization

No access
app.latos.com/settings/property-links
Illustrative data

Property links

Enabled

Property link

zillow.com/homedetails/2140-industrial-pkwy
Preview2140 Industrial Pkwy · Texas
Value (entered manually)$ —
app.latos.com/settings/reminders
Illustrative data

Reminders

6 active
  • RFI #2 · Harbor CapitalTomorrow
  • Upload top-3 client contractsToday
  • Term sheet deadline · NorthbridgeFri
  • Debt schedule receivedDone
app.latos.com/lenders/import
Illustrative data

Bulk lender import

CSV · XLSX
lenders.xlsx212 rows
  • Lenders imported212
  • Ready for matching212
app.latos.com/deals/sunrise-logistics/legal-pack
Illustrative data

Legal review pack

PDF
  • Audited statements 2025
  • Debt schedule
  • AI analysis · sources
sunrise-logistics-legal.pdfExport PDF
app.latos.com/settings/billing
Illustrative data

Billing & admin

Broker Pro · Stripe
  • PlanBroker Pro
  • AccessEarly Access · 60 days
  • PaymentsStripe
  • AdministrationOrganization panel

Questions brokers ask first.

Does LatOS make credit decisions?

No. AI outputs are drafts and operational support. Every figure traces to its source, and brokers and lenders keep every decision.

Is LatOS a broker or a lender?

Neither. LatOS is software. It does not arrange or guarantee financing; it helps the people who do work with better information.

What can lenders see?

Only what a broker explicitly shares with them through Lender Lite, deal by deal: documents, summaries, RFIs and term sheets.

Can I bring my current lender list?

Yes. Bulk import brings your lenders, criteria and contacts in, so matching works from the first deal.

What is Early Access?

60 days of Broker Pro for the brokers who join now, with guided onboarding and a direct line to the product team.

See LatOS on one of your deals.

We walk you through the record, the analyst and what your lender sees, on one of your deals or a sample one.

Brokers who join now get 60 days of Early Access to Broker Pro.

Request a demo

Tell us a little about your desk and we’ll get in touch to schedule.

Add your name.
Add your firm.
Use a valid work email, like you@firm.com.
Pick a range.

We use your details only to schedule the demo.

Request received

We’ll email you to find a time.