Term Sheet Comparison Agent
The agent reads term sheets and funding offers from banks, DFIs and private credit funds and compares them on pricing, tenor, repayment profile, covenants, security and conditions. It summarises the real trade-offs, including all-in cost and the restrictions each offer places on your business, so you negotiate from a clear position.
Ideal forCFOs
The difference
From 6-10 hours per funding comparison to 1-1.5 hours
Your finance team reaches a funding decision sooner and spends its time negotiating better terms.
Done by hand
6-10 hours per funding comparison
With the Vanine agent
1-1.5 hours
Time returned to your team
85%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
A true like-for-like view
Offers express pricing differently, from margins over prime or a reference rate to fixed rates and fees. The agent puts every offer on the same basis, so the true cost is clear.
Hidden restrictions surfaced
Covenants, distribution lock-ups, security demands and conditions precedent can matter more than price. The agent highlights the terms that constrain how you run the business.
A stronger negotiating position
Knowing exactly where each funder is more or less favourable lets you push back on specific terms with evidence.
Capabilities
Compare every funding offer side by side and choose with confidence.
Built for CFOs, treasurers, debt advisers and private equity deal teams raising funding from SA banks, DFIs and private credit funds.
Term extraction
Reads term sheets and offer letters in any format and extracts amount, pricing, fees, tenor, repayment profile, covenants, security and conditions.
All-in cost comparison
Calculates the all-in cost of each offer, including margins, raising and commitment fees and hedging requirements, on a consistent basis.
Covenant comparison
Compares financial covenants such as DSCR, leverage and interest cover, with headroom tested against your own forecasts.
Security and guarantee review
Compares the security each funder requires, such as cessions, bonds, share pledges and shareholder guarantees, and highlights the most onerous demands.
Conditions and restrictions
Flags conditions precedent, distribution restrictions, change of control clauses and exchange control or B-BBEE conditions that affect execution.
Trade-off summary
Drafts a clear summary of the trade-offs, with suggested negotiation points for the CFO, board or investment committee.
How it works
From your systems to a result you sign off
Your CFO and advisers decide which offer to pursue, and authorised signatories accept and sign the chosen term sheet.
Connect the places your funding documents already live.
Term sheets and offer letters from your deal inbox or SharePoint, plus your financial forecast in Excel. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- Copilot Studio
- Outlook deal inbox and SharePoint deal folders
- iManage and NetDocuments
Runs on request in Teams, Excel or OpenAI Frontier during a funding process, using the models your organisation approves.
A side-by-side comparison in Excel and a trade-off summary in Word for the board or investment committee.
Step by step
- 01
Funding offers arrive from banks, DFIs or private credit funds.
- 02
The agent extracts the key terms from each offer.
- 03
It calculates all-in cost and tests covenants against your forecast.
- 04
It drafts the comparison and trade-off summary.
- 05
The CFO and advisers review and agree negotiation points.
- 06
Authorised signatories accept the chosen offer.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Extract the key terms from each offer"
- facility
- R120 million
- offers
- 3 banks
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your funding documents never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your funding documents stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your funding documents. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR FUNDING DOCUMENTS NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
Precision AI for Institutional Workflows
