martini.ai: Real-Time AI-Powered Credit Risk Intelligence for Financial Decision-Making

martini.ai is an advanced AI-driven financial analysis platform designed to deliver real-time credit risk assessments and insights for both public and private companies. Founded in 2019, it leverages cutting-edge technologies like Large Language Models (LLMs), graph neural networks, and a comprehensive knowledge graph to analyze terabytes of structured and unstructured data—including financial filings, market trends, supply chain dynamics, and macroeconomic indicators. With a focus on ethical AI and transparency, martini.ai provides daily-updated credit scores, default probability estimates, credit spreads, and early distress warnings, enabling faster, more accurate financial decisions. Its agentic AI workflows automate research and data extraction, while its open-access platform offers free, unlimited answers and analysis—making it a powerful tool for corporate lenders, credit portfolio managers, CLO managers, and businesses managing counterparty risk.

Key Features:

• AI Research: Instant, AI-generated insights from corporate financial documents.
• Scenario Builder: Advanced tools for stress-testing and scenario analysis of credit portfolios.
• Financials Agent: Automates extraction and analysis of financial data from uploaded documents (e.g., PDFs), converting them into structured Excel data without manual entry.
• Real-Time Credit Updates: Daily updates on credit ratings and risk metrics, unlike traditional quarterly reporting.
• Nowcasting Risk: Uses real-time data to estimate current credit risk instead of forecasting future outcomes.
• Knowledge Graph & Graph Neural Networks: Models complex corporate relationships, including supply chains, ownership, and competition, for deeper risk context.
• Comprehensive Coverage: Analyzes over 3.5 million public and private companies globally.
• Predictive Analytics: Detects deteriorating credit quality up to a year in advance with high accuracy (AUROC of 0.730 in backtests).
• Standardized Credit Metrics: Offers probability of default (PD) across multiple time horizons (1, 3, 5, 7 years), expected loss analytics, and relative-value assessments.
• Portfolio Risk Surveillance: Enables continuous monitoring and risk evaluation of credit portfolios.
• Open-Access Platform: Free unlimited access to credit intelligence, research, and risk tools launched in 2025.
• Agentic AI Workflows: Automates research, data extraction, and analysis for seamless integration into financial processes.
• Integration Support: Can be integrated with existing financial systems upon request.
• Onboarding & Training: Offers support and training for new users to get up and running quickly.

Pricing: martini.ai offers a free tier with unlimited access to its core credit intelligence tools and insights, making it an exceptional value for users seeking real-time credit risk analysis without cost. Additional premium features and enterprise integrations are available through a paid subscription model, but the platform’s open-access offering sets it apart as a freemium leader in the financial AI space.

Conclusion: With its innovative use of AI, real-time data processing, and commitment to transparency, martini.ai is revolutionizing corporate credit research by delivering accurate, actionable insights for financial professionals—making it an indispensable tool for modern credit strategy and risk management.