C. A. R. L. O. S.
Credit Analysis, Risk, Liquidity, Obligations, Scoring System
Carlos Credit delivers rating-agency-style credit opinions that help the commercial real estate industry screen tenants credit with confidence. Each report distills complex financial statements into an easy-to-read AAA to C rating, backed by executive highlights, peer comparisons, and cash-flow visuals. With transparent assumptions and clear notation when figures are estimated, Carlos Credit lets you spot reliable tenants faster while reducing underwriting costs and risk.
Why We Built It
Speed
Automated extraction and analysis mean you receive a fully formatted report in under 48 hours.
Relevance
The model is taught from a diverse set of industries, ensuring the output matches larger, publicly traded peer financials.
Clarity
Confidence
A single composite score, with transparency of risks and benefits to their financials cut through financial jargon and makes for easy comparisons.
Independent methodology vetted by finance veterans provides expert level intelligence.
How It Works
Industry Lens
We leverage the tenant’s sector to pick the right peer set for comparison.
Data Pull
Financial statements are evaluated for missing data and financial ratios and calculated
Quant + Qual Blend
Hard numbers meet seasoned judgment for a balanced view.
Opinion Issued
A polished PDF, branded for your deal file and investor memos
What You Receive
Executive Summary
Full Credit Dossier
Ratio Scorecard
Cash-Flow Waterfall