martini.ai has rolled out a powerful update to its corporate credit research assistant, making credit analysis faster, simpler, and far more interactive. With the new capability, users can upload financial statements directly into the chat and receive instant, AI-generated credit insights without switching tools or workflows. By bringing together its Financials Agent and AI-powered Research Assistant, martini.ai is creating a single, real-time environment for understanding corporate credit risk and financial health.
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“We’ve combined two of our most powerful tools financial analysis and conversational research into one seamless workflow,” said Rajiv Bhat, CEO of martini.ai. “Now users can upload financials, ask questions, and get full credit risk assessments instantly, all in the same chat.”
The update changes how professionals interact with financial data. Instead of manually digging through filings, users can upload documents such as 10-Ks, financial statements, or credit memos, and the assistant immediately pulls out key metrics like leverage, liquidity, and profitability. From there, it generates a clear credit score and analysis, which users can explore through natural conversation. Analysts can ask follow-up questions, compare companies, or dig into sector-level risks—all in real time and in plain language.
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Behind the scenes, the assistant is powered by martini.ai’s proprietary knowledge graph and graph attention networks, which connect real-time data from financial filings, news signals, quantitative models, and other documents. These inputs are analyzed together to build a comprehensive and explainable view of a company’s credit profile. Because every signal is weighed and connected within a single reasoning layer, users can see not just the outcome, but also why the AI reached that conclusion making the insights both current and easy to trust.
What once took hours of manual work calculating ratios, benchmarking peers, and assessing risk drivers now happens in moments. The unified assistant gives analysts, lenders, and investors a faster and more intuitive way to evaluate credit risk, whether they’re reviewing one borrower or monitoring an entire portfolio. Importantly, all insights are backed by clearly cited data sources, reinforcing transparency at every step.
This release builds on martini.ai’s broader mission to bring clarity and openness to the global corporate credit market, which spans more than $10 trillion. With daily-updated ratings, sector analytics, and now instant document-driven insights, the platform continues to position itself as a free, real-time source of institutional-grade credit intelligence.
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“Credit professionals shouldn’t have to choose between speed and accuracy,” Bhat added. “By combining document analysis with interactive research, we’re giving them both along with full transparency and explainability built right in.”
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