> ## Documentation Index
> Fetch the complete documentation index at: https://docs.relayhub.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit

> Work a commercial credit request from the borrower documents to the Loan Presentation

The **Credit** screen is the workspace for commercial lending. You work one deal at a time. RelayHub reads each borrower document and checks each figure against the source. The spread, the deal terms, the policy check and the credit narrative are all in the deal.

**Credit** is part of the Lending module. It is in the **Modules** group of the sidebar. See [Modules](https://docs.relayhub.ai/modules/overview.md).

## The deal list

The screen shows your deals. Each row shows the borrower name, the analyst, the status (**Draft**, **In review**, **Complete** or **Approved**), the number of line items and the date. The row also shows how many values wait for your review, or **Awaiting documents** if the deal has no documents yet.

Click a row to open the deal.

## Start a credit request

**1. Enter the borrower**

In the field **Borrower or relationship name**, type the name of the borrower.

**2. Click New credit request**

Click **New credit request**. The document intake opens.

**3. Describe the deal**

In **About this deal**, answer **What does the borrower file?** (for example **C corporation**, **S corporation**, **Partnership**, **Multi-member LLC** or **Sole proprietor**) and **How many fiscal years?**. Select **There are guarantors on this credit** or **The collateral is an income-producing property** if they apply.

**4. Build the document list**

Click **Build the document list**. RelayHub shows **Documents for this deal**, with each document that the deal needs.

**5. Add the documents**

For each document, click **Choose file**. If you do not have a document, click **Do not have it?** and select **Not applicable to this deal** or **Borrower will provide later**.

**6. Go to the spread**

Click **Continue to the spread**. You can continue before all documents are in and add them later.

Each document shows its status: **Needed for this deal**, **Optional**, **Reading it now**, **Read and added to the spread** or **Could not be read. Try again.**

## Work a deal

An open deal has four tabs:

* **Spread**: the figures from the documents. RelayHub proves each figure against the document, or holds it for your review.
* **Deal terms**: the terms that you write. They appear in the Loan Presentation exactly as you enter them.
* **Policy & stress**: the policy drivers of the deal, with the value of each driver and the bank policy. Use **Stress this borrower** to change a proved input and read the drivers again. A stress test does not change the spread or the credit memo.
* **Credit narrative**: click **Draft the narrative**. RelayHub writes the narrative from the proved figures only. Edit it, click **Save revision**, then click **Approve**. After the approval, you cannot edit that version.

At the top of a deal:

* **Add documents** opens the document intake again.
* **Exhibit** opens the spread exhibit. To download it, click **PDF**.
* **Loan Presentation** opens the Loan Presentation in the format of your bank. To download it, click **PDF**.
* **All deals** goes back to the deal list.


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