Gallantree Platform
Dynamic credit underwriting, built into the platform.
Purpose-built underwriting engines for Commercial Real Estate and Corporate Credit. Asset-level scoring, indicative rating alignment, and a proprietary scoring framework that updates in real time as underlying data changes.
Loan Scoring
PENDINGWhy It Matters
Underwriting that lives with the asset, not in a spreadsheet
Most lenders run credit assessment in Excel. The model lives on a credit officer's desktop, the score is a point-in-time snapshot, and by the time the deal closes the underlying data is already stale. When valuations refresh or financials are updated, the credit view does not move with them.
The Gallantree Platform brings underwriting inside the operating system. Every loan and every collateral asset carries a live credit profile, continuously recalculated as new data arrives. Scores, indicative ratings, and risk classifications are always current and always auditable.
Asset Class Engines
Built for the way each asset class is actually underwritten
Commercial Real Estate
CRE underwriting engine
Purpose-built underwriting for commercial real estate loans. Property-level cashflow modelling, valuation overlays, lease-by-lease analysis, and structural collateral assessment integrated end-to-end.
NOI, NCF, DSCR, ICR and break-even modelling
Lease schedule ingestion with WALE and tenant concentration
LVR, LTC, valuation overlays and capex reserves
Property type, location, and asset quality scoring
Corporate Credit
Corporate underwriting engine
Mid-market corporate underwriting with financial statement spreading, leverage analysis, covenant modelling, and sector-aware scoring. Built for sponsor-backed and direct lending originations.
Automated financial statement spreading and adjustments
Leverage, fixed charge, and interest coverage modelling
Covenant design, headroom analysis, and breach scenarios
Sector benchmarking and peer comparable analysis
Dynamic Proprietary Scoring
A live credit score for every asset, every day
Our proprietary scoring framework synthesises the inputs that matter most for each asset class, weighted by credit team methodology and updated continuously.
Configurable Weightings
Each asset class carries its own scoring framework. Weightings, thresholds, and scoring bands are tuned to the credit characteristics of CRE versus corporate exposures.
Live Recalculation
Scores update automatically as underlying data changes. New valuations, updated financials, lease changes, or covenant resets flow straight into the model.
Portfolio-Level Aggregation
Asset-level scores roll up to portfolio risk views. Track migration over time, concentration by score band, and trigger-driven exception lists.
Full Audit Trail
Every score change is timestamped with the underlying inputs preserved. Reconstruct any historical credit assessment for trustees, auditors, or rating agencies.
Integrated Across the Platform
Scores feed directly into loan management, portfolio surveillance, waterfall covenants, and investor reporting. One score, one source of truth.
Independent Methodology
Proprietary methodology developed by the Gallantree credit team. Indicative ratings are calibrated against external agency scales but remain our own assessment.
See dynamic credit underwriting in action
Walk through how the Gallantree credit engine scores live deals across CRE and corporate portfolios.
Let's get started
Move forward
with Gallantree
Clear next steps for institutions ready to originate, structure and invest in Australian credit with confidence.