See Energy Risk Before
It Becomes Credit Risk.
Traditional underwriting catches problems after they're priced in. You'll know a borrower's grid exposure has a 67% probability of causing covenant issues—31 days before the ruling triggers it.
Why Banks Choose Cognitive Finance Over Traditional Risk Models
Traditional Risk Assessment
“Borrower operates in a constrained grid region.”
“Regulatory environment is uncertain.”
“Energy costs could impact debt service.”
Qualitative risk. No probability. Discovered at covenant breach.
Cognitive Finance
67% probability of grid constraint impacting borrower
78% probability of tariff change in next 90 days
12% probability of covenant breach under stress
Quantified risk. Continuous monitoring. 31 days early warning.
Underwrite with probability, not projections
- →Interconnection risk scoring with P(delay) by queue position
- →Tariff impact modeling with regulatory probability curves
- →Energy hedge validation against probability-weighted curves
- →Construction monitoring with satellite-based progress tracking
See credit risk before it materializes
- →Portfolio-wide grid exposure with P(constraint) by borrower
- →Regulatory alert system with probability thresholds
- →Covenant stress testing with calibrated scenarios
- →Concentration risk with probability-weighted exposure
Energy Risk Across Your Loan Portfolio
| Borrower | Exposure | Grid Risk | Regulatory | Alert |
|---|---|---|---|---|
| DataCore Ohio LLC | $180M | 67% | 78% | ACTION |
| CloudPlex Virginia | $95M | 34% | 18% | WATCH |
| ERCOT Compute Inc | $220M | 12% | 8% | OK |
Probabilities updated continuously. Thresholds configurable per credit policy.
Your Competitive Advantage
70%
Faster Underwriting
Pre-mapped grid constraints and regulatory landscapes accelerate due diligence.
31 days
Early Warning
Average lead time on regulatory changes affecting your portfolio.
P(x)
Quantified Risk
Replace qualitative risk assessments with calibrated probabilities.
See Probability Signals for Your Portfolio
We'll show you how your existing exposures map to our probability signals— grid risk, regulatory risk, and early warning indicators.
Get Your Personalized Demo