For Accountants & Advisors
Benchmark any term sheet in minutes.
Advise with confidence.
Upload a client's term sheet. Get a market-backed analysis in under 2 minutes — benchmarked against real Belgian SME deals, with branded reports under your firm's name.
Pricing
Covenant Flags
The Problem
Your clients need answers about their bank offer. Today.
They trust your judgment. You need market data. The clock is ticking.
The clock starts when your client calls.
A client receives a bank offer and asks for your opinion. Proper analysis takes hours, but they need an answer before the meeting on Friday. You're stuck between "I'll look into it" and "looks fine to me."
You're advising without market data.
You know their P&L inside out. But is a 2.8% margin competitive when the market median is 2.15%? Without benchmarks, your analysis is educated guesswork, and your client deserves better.
One wrong call costs your reputation.
Telling a client "this looks standard" when the covenant package is aggressive. That erodes trust. A DSCR threshold of 1.4x vs the market standard 1.2x is the difference between a negotiable clause and a locked-in obligation.
How It Works
From PDF to market-backed analysis in 3 steps.
Step 01 · Upload
30s
Client sends the term sheet.
Upload the PDF (no account needed). Supports Dutch, French, and English term sheets out of the box.
Step 02 · Analyze
90s
Every clause extracted and benchmarked.
25 covenant types identified. Interest margin benchmarked against Belgian market data and ECB reference rates. All-in cost calculated. Risk flags raised.
Step 03 · Your Prep
10m
Walk your client through the findings.
Download a report, branded with your firm's identity on Professional. Present data-backed talking points. Look like a financing expert, because now you have the data to back it up.
Where the Data Comes From
Transparent methodology. Verifiable sources.
No black boxes. Every benchmark and every flag traces back to a real data source you can verify.
ECB Reference Rates
Interest rate benchmarks sourced from the European Central Bank's MFI Interest Rate Statistics (MIR). Updated quarterly. Publicly verifiable.
Belgian Market Data
Lending margins, fee structures, and deal terms from real Belgian SME transactions. Anonymized and aggregated to protect confidentiality.
Expert Covenant Taxonomy
25 covenant types classified by banking professionals with decades of Belgian lending experience. Each explanation is human-validated, not AI-generated.
Bank-Grade Security
AES-256 encryption. EU-hosted processing. GDPR compliant. Your client's term sheet is never stored after analysis unless you choose to save it.
What You Get
Analyze term sheets like a financing expert.
Decode every clause in seconds
25 covenant types (DSCR, leverage, change-of-control, cross-default) identified and translated into language your client can actually understand.
Compare against the Belgian market
Interest margins, fee structures, and all-in costs benchmarked against real Belgian SME deal data. Know if the offer is competitive — with the numbers to prove it.
Spot risks before your client signs
Aggressive covenant thresholds, unusual fee structures, broad cross-default clauses. All flagged automatically.
Calculate the true cost of borrowing
Every fee (arrangement, commitment, guarantee), annualized into one comparable number. The metric that makes bank offers truly comparable.
Present analysis under your brandProfessional
Your firm's logo, your name, your colors. Market-backed analysis delivered to clients as your own professional output.
Track all client financings in one viewProfessional
Covenant monitoring, renewal alerts, portfolio-wide risk summary. One dashboard for every client's lending position.
Your Return
What could you do with the hours you get back?
Time saved per month
8.3h
worth €750/month
Credia Professional
Based on 2-hour manual review reduced to a 20-minute Credia-assisted workflow.
Pricing
Start free. Upgrade when your clients demand it.
Free
€0
No account needed. Try it with a real term sheet.
- —Full term sheet extraction
- —25 covenant types identified
- —Plain-language explanations
- —3 analyses per day
Pro
€49 /month
Market benchmarks and scoring for deeper analysis.
- —Everything in Free
- —5-component deal scoring
- —Belgian market benchmarks
- —Risk flags + negotiation points
- —Multi-bank comparison
Professional
€149 /month
Built for accountants managing multiple clients.
- ✓Everything in Pro
- ✓Branded PDF reports with your identity
- ✓Portfolio dashboard across all clients
- ✓Bulk analysis (up to 50/month)
- ✓Priority support
- ✓Multi-seat pricing: 10+ seats at -20%
Get Started
Try it with a real client case.
Upload a term sheet your client received. See the full analysis. Decide if it changes how you advise on financing.
This is not financial advice. Credia provides term sheet analysis and market benchmarking. We do not provide financial, legal, or tax advice and do not recommend accepting or rejecting any financial offer. Professional judgment remains with the advisor.
Client data is encrypted (AES-256) and processed in the EU. Belgian law applies. Privacy policy · Terms