When a stressed credit situation develops, investors need answers fast. What's happening? What does the documentation permit? What’s the capital structure? And how does the opportunity compare with peers?
This walkthrough shows how a credit analyst can use 9fin AI to answer those questions and build a relative value view in minutes. We'll use Arxada's amend-and-extend process as an illustrative example.
This is the all-in-one workflow 9fin was built for. Grounded in 9fin’s proprietary, fully traceable data and original content, you can understand a complex, multi-tranche situation in minutes without switching platforms or rebuilding context. Here’s how:
Step 1: Understand the situation with AI Chat
AI Chat is built to help investors understand complex, fast-moving credit situations like Arxada — fast. Powered by 9fin's proprietary dataset, including OMs, filings, earnings calls, cap tables, and editorial analysis, it delivers fully cited answers to your questions in seconds.
Prompt 1 — What's happening?
AI Chat quickly surfaces the key facts: the proposed transaction structure, the parties involved and the main risks to execution.
In minutes, you’ll have a working view of a complex, multi-tranche situation that would previously have taken an hour of trawling through documents and news alerts.
AI Chat: ask for Arxada's A&E situation and receive a structured, cited response in seconds.
Prompt 2 — What’s permitted?
Digging deeper used to mean manually digging: searching for a needle in a haystack of thousands of pages of offering memoranda, credit agreements, annual reports, and other documentation.
With AI Chat, you can instantly surface the exact clauses, EBITDA definition, incurrence thresholds, and remaining headroom, all fully cited to the official sources.
AI Chat’s Thought Process panel (right) traces every response back to 9fin’s analysis and data.
Prompt 3 — What’s priced?
For a name like Arxada, the capital structure drives the story.
AI Chat assembles the full debt stack instantly, framing the creditor dynamics and where value is at risk. A view that would previously require pulling from multiple sources, delivered in seconds.
Step 2: Summarize earnings call transcripts
Meanwhile, Arxada's Q1 2026 results just dropped and you need to quickly get up to speed on headline numbers, key drivers, management commentary, and forward outlook.
In 9fin’s dashboard, you click the ‘Earnings Calls’ tab to quickly access Arxada’s Q1 2026 earnings call transcript, and you are immediately presented with a summary of the key points of the call.
You want to dig deeper, so you ask 9fin AI: "Summarize Arxada's latest earnings call — what was management's commentary on EBITDA trajectory and cost reduction initiatives?"
In seconds, AI Chat provides a summary: performance highlights, segment commentary, forward guidance, and the Q&A. Plus, each reference is timestamped so you can verify AI Chat's interpretation against what management actually said.
Ask a follow-up question, like whether management confidence has changed since the last earnings call, and AI Chat will search multiple transcripts to identify shifts in language, confidence, or guidance. This saves you hours of reading transcripts verbatim, time you can now use to make better informed decisions.
Step 3: Conduct peer analysis with Research Grid
Now that you are up to speed on the situation, your next concern is what opportunities this creates across the sector.
You ask AI Chat to identify the company’s peers:
Then with Research Grid, you can multiply the power of 9fin AI by querying the same prompt across multiple companies and view the output side-by-side. Use 9fin's curated question library, or craft your own custom queries beyond the initial tear sheet. Every cell is cited and traceable.
A side-by-side comparison of companies generated using Research Grid.
This workflow is your edge
Before this workflow, a complete picture required hours of fragmented work. Each step involved a different tool, data source, and format.
But with 9fin AI, you go from breaking news to a detailed relative value view in minutes. AI handles data retrieval and synthesis, while you handle the judgment.
Ready to try it yourself?
Start a free trial to see how 9fin AI can help your team understand complex credit situations faster and spend more time on investment decisions.
Outputs shown are representative of the platform's capabilities and may not reflect live data.
