The AI agent for credit analysts

Sauna spreads the borrower's financials, drafts the credit memo with covenant and ratio analysis, builds the cash-flow model, and assembles the approval package so your recommendation is ready before the credit committee meets.

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What it does

What Sauna does for credit analysts

01
Spread the financials
Sauna pulls the borrower's statements from the deal folder in Google Drive, spreads three years of income statement and balance sheet into Google Sheets, and computes leverage, coverage, and liquidity ratios.
02
Draft the credit memo
It writes the credit approval memo in Google Docs — business overview, risk factors, covenant proposal, and recommendation — citing the spread figures so the committee sees the reasoning.
03
Stress the cash flow
Sauna builds a debt-service-coverage model in Google Sheets, runs downside scenarios you specify, and flags the covenant headroom that breaks first under stress.
04
Manage the pipeline
It tracks each deal's stage and outstanding conditions in Salesforce and drafts the follow-up to the relationship manager for missing tax returns or appraisals.

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In context

Ask in chat. It does the work.

Sauna shows up where you already work — the web app, Slack, email, iMessage, and Superhuman. It reads what it needs, does the task, and comes back with the draft for your approval.

app.sauna.ai/sauna

You

@Sauna Spread the last three years of statements in the Acme deal folder, compute leverage and DSCR, and draft a credit memo with a downside case where revenue drops 15%.

Sauna

Reading Google Drive and Google Sheets.

Done — here's the draft and what I found. Approve to send.

Try it

Ask in plain words

The literal prompt for this job. Open it in Sauna and it picks up from there.

“Spread the last three years of statements in the Acme deal folder, compute leverage and DSCR, and draft a credit memo with a downside case where revenue drops 15%.”

Example promptRun in Sauna →

Plugs into the tools you already run — and thousands more, or any MCP server.

Google Drive Google Sheets Google Docs Salesforce

Good to know

Questions, answered.

Will it approve or decline the loan?

No. It spreads the numbers and drafts a recommendation with the risk factors laid out, but the credit decision and the memo that goes to committee are yours to approve.

Will it make up financial figures?

No. Every spread figure traces to a statement in the deal folder, and the ratio and model formulas are visible. It flags any period where a statement is missing rather than filling the gap.