Model management
Inventory, versioning and approval for every model.
Phyn{Rate} · Credit rating and scoring
Every rating, with its evidence attached.
PhynRate runs the full rating lifecycle — from model development to portfolio monitoring — with AI agents that read the documents, answer the questionnaire and explain the ratios, citing the document, page and sentence behind every answer.
ONE LIFECYCLE
From model to monitoring, on one platform.
Statistical analysis
Development and validation, inside the platform.
Rating and scoring
Assessment, overrides, committee steps and four-eyes review.
Portfolio monitoring
Migration, concentration and early warning.
WHAT'S INSIDE
Everything a rating process needs.
Rating engine
Scorecards, notching and overrides, for obligor and facility ratings.
Document agent
Reads financial statements, filings and policies, and answers the questionnaire.
Evidence and citations
Every answer shows its confidence and the document, page and sentence behind it.
Financial spreading
Statements read into balance-sheet lines, each mapping with its confidence.
Ratio analysis
Ratios calculated and explained on request, for the company in front of you.
Workflow and committees
Stages, owners, committee steps and four-eyes review.
Audit trail
Every adjustment with its author, its reason and a way to revert it.
Model inventory
Versions, approval state and change history for every model.
Development and validation
Statistical workflows run inside the platform, not beside it.
Portfolio monitoring
Migration, concentration, triggers and early warning.
A NEW WAY OF WORKING
Upload the methodology. The agent drafts the model, you approve it.
Hand PhynRate your model's methodology document. The agent drafts the questionnaire, ratios, weights and rating scale — each item citing the sentence and page it came from. Your team reviews item by item, corrects what is wrong, and publishes as a separate, recorded step.
- Every drafted item cites its source
- Accept or reject, item by item
- The evidence your validators ask for is produced as you build
Methodology.pdf
Current ratiop.12
Debt / EBITDAp.14
Interest coverp.17
Weight: Liquidity 20%p.21
Rating scale: 1–10p.26
UNDER YOUR CONTROL
The agent doesn't assert. It cites.
Evidence on every answer.
Confidence, source sentence, document and page — a reviewer checks in seconds instead of taking it on trust.
A person approves.
Nothing reaches production because an agent proposed it. Someone accepts, and that acceptance is recorded.
Numbers come from the engine.
Ratios and scores are calculated deterministically. The AI explains them; it doesn't invent them.
See PhynRate on your own portfolio.
Design partners get PhynRate configured on their own rating models, working directly with the people who built it.
See it running45 minutes with the people who built it. No slides.