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Set up https://yeki.ai/contract/SKILL.mdCopy into your AI assistant to prepare your contract summary.
Agent preparation only. Connected underwriting and lender matching are not live.
Contract Credit Rating
We grade the contract, not just the company. Who pays, what is obligated, and how close you are to delivering.
Every grade starts from the paying counterparty and steps down, one notch at a time, for each risk we can name. Each notch keeps its reason and its evidence, so a bank can trace the grade back to the source documents.
Score a contract in the free toolL/C & account control
Your next lease. Your next contract. Your next step.
Whether you’re signing a lease, scaling production or arranging financing, prepare the letter of credit or account-control documents your startup needs.
Explore your next stepsOne reviewable recordIllustrative example
Robotics manufacturing line
A production commitment, with the supporting instruments kept in view.
ManufacturerStandby LCIssuing bank
InstrumentStandby letter of creditPerformance or payment support
Example statusPreparation
Select a checkpoint to follow the documents and responsible parties.
Review checkpoint 1 / 4
Underlying obligation
Identify the obligation being supported and the applicant and beneficiary. Keep the underlying agreement separate from the LC.
- Responsible review
- Applicant and counterparty
- Evidence to collect
- Signed production agreement and the requested support terms.
Illustrative workflow. No LC is issued and no account control is established.
Explore the workspace
Contracts
Understand the commitment, track delivery and prepare the supporting evidence.
Letter of Credit
Prepare your next letter of credit.
Need an LC for a lease or commercial contract? Organize your documents, review the terms and prepare your request for the bank.
- Application checklist
- Terms to review
- Expiry and renewal dates
See how your request is organized
Know what your bank needs from you.
Bring together the lease or contract, requested LC wording and supporting documents. Track questions from your bank and counterparty so your team can see the next step. Issuance remains subject to bank review.
- Lease or contract requirements
- Draft terms and review questions
- Documents and signatures to provide
Keep track after your LC is issued.
Keep the issued letter, changes and bank confirmations together. Give your team a clear view of renewal dates, notice requirements and questions to take back to your bank.
- Your issued letter and amendments
- Expiry and renewal dates
- Open questions and next steps
DACA / SACA
Prepare your accounts for financing.
Need account control for financing? Bring your lender’s requirements, bank and counsel together, and track the steps to a DACA or SACA.
- Your lender’s requirements
- Agreement and signatures
- Outstanding steps
See how your request is organized
Bring your lender, bank and counsel together.
Start with your lender’s account-control requirements. Keep the draft agreement, review questions and signatures in one place so your startup knows what to provide and who to follow up with.
- Lender requirements and account details
- Counsel’s questions and proposed changes
- Required signatures and bank confirmation
See what’s still needed before closing.
Track the signed agreement, bank confirmation and remaining setup questions. Your bank and counsel confirm account control; a completed checklist alone does not mean your account is ready for financing.
- Signed agreement and bank confirmation
- Remaining account setup steps
- Follow-ups for your team
Free for borrowers · Early access
Your contract. A clearer view of payments and financeability.
Track expected payments, work through financeability checkpoints, and see what supporting evidence is still needed.
Robotics production orderIllustrative walkthrough
The order is signed. The work still needs funding.
The financing question
What is the customer committed to pay?
A headline contract value is only the starting point. Identify the committed work and the conditions attached to payment.
- Contracts and extracted terms
- Confirm the payer, committed scope, payment terms and signed amendments.
- Supporting bank documents
- Include letters of credit where applicable. The bank remains responsible for issuance.
Your preparation brief
Committed obligations, payment conditions and open questions in one reviewable brief.
The parts are ready. What evidence unlocks the next payment?
The financing question
What proves the milestone is complete?
Connect each delivery requirement to the records the customer needs to accept the work.
- Milestones with evidence
- Link inspection records and customer acceptance to the contractual milestone.
- Invoices and receipts
- Keep acceptance, invoicing and cash receipt distinct. An invoice does not establish that cash has arrived.
Your preparation brief
A traceable milestone record, with acceptance evidence and outstanding items clearly separated.
Materials are due now. Customer payments may come later.
The financing question
Where is the cash gap, and what needs review?
Compare the production schedule with expected payments. Make the funding need and unresolved conditions clear to a credit team.
- Cash-in calendar
- Map costs against payment dates. Label estimates separately from confirmed milestones and receipts.
- Financeability checkpoints
- Identify conditional terms and missing evidence before a financing review.
Your preparation brief
A financing preparation brief—not a credit decision, lender match or offer of terms.
From milestones to expected payments
See what is earned, invoiced and still ahead.
Explore an illustrative year of contract payments. Every status stays distinct, so expected work is never mistaken for cash received.
Three dates to keep distinct
- Acceptance date
When the customer confirms the delivery or milestone.
- Invoice due date
The payment date under the confirmed contractual terms.
- Receipt date
When cash is actually received and recorded.
Cash-in calendarExample · FY27
Illustrative amounts · USD thousands
Hover, focus or tap a month. Use the legend to highlight a status.
May
- Accepted milestones
- $260,000
- Invoiced
- $0
- Expected, not yet earned
- $900,000
Accepted milestones and invoices are not cash received.
View example data
| Month | Accepted milestones | Invoiced | Expected, not yet earned |
|---|---|---|---|
| October | 420 | 180 | 0 |
| November | 380 | 0 | 220 |
| December | 0 | 640 | 160 |
| January | 510 | 0 | 310 |
| February | 0 | 0 | 780 |
| March | 300 | 460 | 240 |
| April | 0 | 0 | 520 |
| May | 260 | 0 | 900 |
| June | 0 | 380 | 640 |
| July | 0 | 0 | 1100 |
| August | 0 | 0 | 720 |
| September | 0 | 0 | 1240 |
Built with banks
The bank holds the senior note. We hold the risk beneath it.
Partner banks hold the senior A-note, keep control of the collection account and move every dollar on their own rails. Yeki sends the instructions, records the outcomes and runs the waterfall to the cent. We never hold borrower money.
Partner with YekiWhere a payment goesIllustrative structure
Counterparty → bank-controlled account → recipients
COUNTERPARTY PAYSDoD
COLLECTION ACCTBANK CONTROL
The partner bank holds the senior A-note. The illustration preserves the bank’s control of the collection account.
Senior A-notePartner bank
B-note, first lossYeki SPV
Illustrative priority only. Banks control accounts and move funds; Yeki does not custody money.
Capital Options
Verified Work™
Evidence for the work behind each contract.
Review defined work outcomes alongside their source evidence, contract milestones and correction history.
Open Verified Work™- Source evidence
- Keep the work type, quantity, evidence reference and original date together. An observation alone does not establish verified work.
- Reviewed outcomes
- Record verification and customer acceptance separately. Keep corrections, disputes and rework visible; acceptance and payment remain distinct.
- Financing context
- Review milestone progress alongside contract obligations and remaining completion needs. Work evidence alone does not approve financing or release funds.
Toekyn generates work evidence. Qaieo develops and evaluates simulations and forecasts. Yeki brings these inputs together with external context for financing review.
Explore the app with synthetic records saved in this browser. It does not update facility records, and financing remains in shadow mode.
For founders and finance leads
Financeability checkpoints
Turn financing questions into a clearer preparation brief.
Costs arrive before payments
Materials and delivery costs may fall due before the customer accepts and pays for the work.
Map the payment timeline- When are the major costs due?
- Which milestones allow you to invoice?
- What payment terms are stated, and which dates remain estimates?
Contract value has conditions
A signed contract’s headline value may include options, ceilings or conditions that still need to be met.
Clarify the contract terms- What amount is obligated now?
- What delivery, acceptance or cancellation conditions apply?
- Which signed amendments change those terms?
Evidence is scattered
A credit review needs a traceable record connecting the contract, delivery and customer acceptance.
Prepare an evidence brief- Signed contract and current amendments
- Milestone records and customer acceptance evidence
- Confirmed invoices, receipts and unresolved gaps
Launch servicesSatellite busesDefense autonomyIndustrial roboticsAI compute buildoutsHypersonics testGrid hardware
Three ways to build with Yeki
Build the credit layer for the physical economy.
Customers
Prepare for your next stage of growth.
Organize contract evidence, expected payments and financeability checkpoints. Apply for the connected workspace.
Apply for early access BanksExplore a bank partnership.
Discuss evidence-led credit review, bank-controlled accounts and reporting for contract-backed facilities.
Discuss a partnership InvestorsExplore the Yeki opportunity.
Talk with us about the company, its contract-backed credit model and the capital partnerships we’re building.
Start a conversation