Purpose-built for credit workflows.
The Origination Agent combines Sizer economics, Sponsor Pro Forma, term sheets, and Institutional Memory so every loan decision sits on your firm’s full context.
Credit deserves its own stack.
Generic AI underwriting misses how debt desks actually work. Plex adds LTV, DSCR, debt yield, sponsor cases, and /termsheet — with the same intelligence layer that powers acquisitions.
How the desk actually runs.
Ingest the opportunity
Materials land in Deal Log / Pipeline with debt-aware fields and scoring.
Size the structure
Run Sizer and Sponsor Pro Forma against collateral and coverage targets.
Stress & diligence
Ask Sam for red flags; keep Data Room and DD on the same record.
Issue the term sheet
Draft, approve, and send — then feed outcomes back into Institutional Memory.
Cash flow & coverage metrics
Automatically surface the ratios credit teams live by — so you can assess ability to service debt without rebuilding the workbook from a CIM.
- Debt Sizer for LTV, DSCR, and debt yield
- Loan proceeds reflected in pipeline value
- Debt buy box and scoring for originations accounts
- Assumptions aligned to how your desk underwrites credit
Sponsor & stakeholder analysis
Know who’s backing the borrower — fund size, track record, and past interactions with your firm — before you lean into the structure.
- Sponsor Pro Forma in the deal workspace
- CRM history on brokers and sponsors
- Ask Sam: how has this sponsor performed vs underwriting?
- Portfolio exposure when evaluating new loans
Downside, covenants & materials
Identify risks, evaluate structure, and produce lender-ready materials without a late-night PowerPoint scramble.
- /termsheet for debt deliverables via Ask Sam
- Legal templates for review and send
- Red-flag analysis before credit committee
- HITL approval before outbound docs or mutations
We embed with your desk.
Plex specialists sit with acquisitions, origination, and asset management on live deals, live models, and the books you already run until your people own it day to day.
Sit with the team
We start on your live pipeline and serviced book, not a sandbox. Specialists work beside the desk on deals, loans, and assets already in motion.
Encode the playbook
Buy box, models, covenants, and committee habits get written in so the next deal runs the way this firm actually decides, not a generic workflow.
Transfer ownership
We stay until the desk is running it day to day. The system remains yours. The specialists step back when your people no longer need them in the chair.
Ask Sam for debt desks
Credit-aware analysis and lender materials without leaving the deal.
- /termsheet for this structure
- /returns and coverage summary
- /red-flags on the sponsor case
- Draft outreach to the borrower broker
“Epic product — this is akin to hiring out an entire additional underwriting team.”