How to build a Term Sheet Agent

TL;DR

This agent automates the creation of professional loan term sheets by combining user-provided company names and uploaded financial documents, using AI to generate a ready-to-present output.

What It Does:

• Collects a company name and relevant financial documents from the user.

• Uses AI to analyze the financials and generate a detailed, professional loan term sheet.

• Formats the term sheet for easy presentation or sharing.

Who It’s For:

• Credit analysts and underwriters

• Deal teams preparing for credit or loan committee review

Time to Value:

• Minutes—from document upload and company name entry to a finished, formatted memo and term sheet.

Output:

• A professionally formatted, markdown-based term sheet, ready for review or presentation, tailored to the specific company and its financials.

Common Pain Points of Term Sheet Generation

• Manual drafting of term sheets is time-consuming and error-prone.

• Inconsistent formatting and missing key sections.

• Difficulty in quickly synthesizing complex financials into clear terms.

• Repetitive work for each new loan proposal.

• Delays in preparing documents for investment committees.

What This Agent Delivers

• Automated, consistent generation of term sheets.

• Inclusion of all key loan terms and conditions.

• Professional formatting for immediate use.

• Rapid turnaround from input to output.

• Reduced manual effort and risk of omissions.

Step-by-Step Build (StackAI Nodes)

1) Input Node: Company

What it does:

• Collects the company name from the user.

Goal:

• Ensure the term sheet is personalized and accurate for the intended borrower.

2) Files Node: Financials

What it does:

• Allows the user to upload financial documents (with OCR support for scanned files).

Goal:

• Extract and process all relevant financial data for AI analysis.

3) LLM Node: Term Sheet Generator

What it does:

• Uses an advanced AI model to analyze the company name and financials.

• Generates a detailed term sheet covering all required sections (Borrower, Loan Amount, Interest Rate, Term, Repayment Schedule, Collateral, Covenants, Fees, Conditions Precedent, Key Risks).

Goal:

• Automate the synthesis of complex data into a clear, professional document.

4) Template Node: Format Term Sheet

What it does:

• Formats the AI-generated term sheet in markdown, including the company name as a heading.

Goal:

• Ensure the output is clean, readable, and ready for presentation.

5) Output Node: Term Sheet Output

What it does:

• Presents the final, formatted term sheet to the user.

Goal:

• Deliver a ready-to-use document with no further editing required.