Cognitive Credit
Cognitive Credit is a London-based credit data, analytics, and AI platform serving institutional credit investors, covering 3,100+ bond and loan issuers across US and European markets through subscription data licenses delivered via web app, REST API, Excel Add-in, and a credit-specialist Gen AI assistant.
- Company typePrivate
- Founded2017
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Cognitive Credit does
Cognitive Credit is a London-headquartered credit data, analytics, and AI platform serving institutional credit investors. Founded in 2017, the company offers subscription-based data licenses across US High Yield, European High Yield, US Investment Grade, European Investment Grade, Emerging Markets, and Leveraged Loans, covering 3,100+ bond and loan issuers sourced exclusively from 200,000+ official filings stored in a searchable document library.
The core platform is built on proprietary machine-reading technology that combines image recognition, natural language processing, and computer science to extract and cross-check financial data from PDFs, with sub-15-minute model turnaround after earnings releases and sub-6-hour turnaround for new issue prospectuses. The product portfolio includes a web application for credit modeling and workflow, a REST API for programmatic access, an Excel Add-in for spreadsheet integration, a Restricted Access Issuers module for private credit coverage, and Cognitive Credit AI — a credit-specialist generative AI assistant launched in March 2026 that enables natural-language analysis over the firm's structured datasets and document corpus. The company cites outcomes including up to 90% reduction in manual data processes and 10x expansion of Tier 2 credit coverage capacity.
Revenue is generated through enterprise annual subscriptions sold via field sales (with a parallel product-led/API distribution motion), targeting asset managers, hedge funds, fixed income sales & trading desks, and financial/legal advisory firms in the UK and US. Pricing is quote-based and not publicly disclosed. The company has raised a £6mm Series A (November 2021, led by Fitch Ventures) and a $10mm Series B (September 2024), and partners with IHS Markit and S&P Global for pricing and reference data.
Cognitive Credit firmographics
Firmographics- Name
- Cognitive Credit
- Legal name
- Cognitive Credit Limited
- Website
- https://cognitivecredit.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Cognitive Credit is a London-based credit data, analytics, and AI platform serving institutional credit investors, covering 3,100+ bond and loan issuers across US and European markets through subscription data licenses delivered via web app, REST API, Excel Add-in, and a credit-specialist Gen AI assistant.
- Ownership category
- akta.pro rank
Cognitive Credit industry classification
Industry- Product category
- Credit Data Analytics
- NAICS
- Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (52239)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Credit Research (FSACAGAB)
Keywords
Where Cognitive Credit is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Cognitive Credit business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Data Licenses (Web Application): Subscription-based access to specialized credit data licenses covering US High Yield, European High Yield, US Investment Grade, European Investment Grade, and Leveraged Loans. Clients access dynamic credit models, analytics tools, and research features via the web application.
- REST API Data Access: Programmatic access to structured historical financial data via REST API, enabling institutional credit investors to integrate credit data directly into their firms' analytical workflows. Two tiers available: Credit Metrics and Historical Models.
- Excel Add-in: Included as standard with web application subscriptions, enabling users to pull market-leading fundamental data directly into existing Excel spreadsheet models and refresh with new numbers instantly.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise subscription with data licenses |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Cognitive Credit product offering
Product offeringCore offering
Cognitive Credit provides structured credit data, analytics, and AI-powered credit analysis tools for institutional credit investors. Its platform covers 3,100+ bond and loan issuers across US, European, and emerging markets, using proprietary machine-reading technology to extract financial data from 200,000+ official filings and deliver it through a web application, Excel Add-in, REST API, and a credit-specialist generative AI assistant. Customers include asset managers, hedge funds, investment banks, and financial advisory firms that subscribe to data licenses for fundamental credit analysis.
Product overview
Cognitive Credit is a credit data, analysis, and AI platform providing a unified suite of products for institutional credit investors. The core platform combines a web application with proprietary structured credit datasets, specialized AI, and native workflow tools. The product portfolio includes the Web App (central analysis platform), Cognitive Credit AI (credit-specialist generative AI), Restricted Access Issuers (self-service for private companies), Excel Add-in (spreadsheet integration), and REST API (programmatic data access). All products share a common data foundation sourced from 200,000+ official filings processed by proprietary machine-reading technology, covering 3,100+ bond and loan issuers across US, European, and emerging markets.
Differentiator
Problem solved
Functional benefit
Brands
- Cognitive Credit AI: Gen AI-powered credit analysis platform enabling investors to generate context-aware analysis from over 200,000 official documents and structured financial data sets, covering more than 3,000 European and U.S. bond and loan issuers.
Products and services
- Web App Central web-based credit analysis platform combining proprietary structured datasets, advanced workflow tools, and specialist AI. Includes customizable credit models, dynamic forecasting, comparables analytics, watchlists, credit memo generation, earnings summaries, and a searchable document library of 200,000+ official filings. Used by asset managers, hedge funds, investment banks, and financial advisory firms.
- Cognitive Credit AI Credit-specialist generative AI enabling natural language querying across 200,000+ official documents and structured financial datasets. Generates actionable, auditable insights from official company disclosures for over 3,000 European and US bond and loan issuers, going beyond generic LLMs with credit domain specialization. Used by institutional credit investors to interrogate filings and structured datasets in seconds.
- Excel Add-in Excel 365 add-in that streams proprietary structured credit data directly into users' own spreadsheet models. Allows one-click refresh with latest reported numbers and access to detailed as-reported datasets with historical data back to 2016. Included as standard with web application subscriptions. Used by credit analysts who maintain their own Excel-based modeling workflows.
- REST API Programmatic API providing structured historical financial data across 1,300+ issuers in US High Yield, European High Yield, and European Investment Grade coverage. Two tiers: Credit Metrics (90+ essential credit metrics and as-reported items) and Historical Models (line-by-line income statements, cash flow statements, balance sheets, debt notes, EBITDA bridges, geographic and segmental splits, operating KPIs, and derived credit metrics). Supports C#, Java, JavaScript, Python, and TypeScript integration. Used by quant teams and systematic trading operations.
- Restricted Access Issuers Self-service access to restricted access issuers (144A/private companies) in US and European bond and loan markets. Users discover restricted names in-app, upload relevant financial documents via secure self-service portal, and receive detailed credit models built from client-provided documents. Expands coverage to private names across US and European bond and loan markets.
Quantifiable outcome
- Sub-6 hour model turnaround after new issue announcement
- +3 more outcomes
Companies that use Cognitive Credit
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles4 records
Cognitive Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability8 records
Feature5 records
Cognitive Credit partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- S&P GlobalcoreMarket data partner providing historical pricing and reference data for thousands of tradable instruments in the Market Comparables feature. Data used to supplement Cognitive Credit's fundamental data with market-level information.
- IHS MarkitcoreStrategic partnership bringing IHS Markit's best-in-class credit market data to the Cognitive Credit application. IHS Markit's multi-asset pricing and reference data across US and European High Yield bond and loan universe complements Cognitive Credit's fundamental data and modeling capabilities. Enables clients to leverage Cognitive Credit across entire analytical workflow from credit investigation to relative value analysis.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Cognitive Credit competitors and assessment
Company assessmentDirect peers
- 9fin: 9fin is an AI-powered credit data and analytics platform serving institutional credit investors with bond and leveraged loan coverage. It directly competes with Cognitive Credit on structured financials, document intelligence, and analytics for the same buy-side customer base.
- Xtract Research: Xtract Research provides credit research data and analytics on high-yield and leveraged loan issuers for institutional investors. Its focus on fundamental credit data extraction and modeling mirrors Cognitive Credit's core offering.
- BondCliQ: BondCliQ is a corporate bond pricing and trading intelligence platform serving institutional credit market participants. While more focused on pricing and reference data than fundamental financials, it competes for the same fixed-income credit technology budget.
- IHS Markit (now part of S&P Global): IHS Markit is a credit market data and pricing/reference data provider that previously partnered with Cognitive Credit. As an established player in US and European High Yield bond and loan pricing data, it offers overlapping capabilities to similar institutional customers.
- Leveraged Commentary & Data (LCD, Morningstar): LCD is a leading source of leveraged loan market data, news, and analytics owned by Morningstar. It directly competes with Cognitive Credit's leveraged loan coverage for institutional loan investors and is part of the Morningstar Leveraged Loan Indices referenced by Cognitive Credit.
Broad incumbents
- Moody's Analytics: Moody's Analytics is the data, analytics, and research arm of Moody's Corporation, offering credit data, risk analytics, and workflow tools to financial institutions. It serves the same institutional credit investor base as Cognitive Credit but as part of a much broader portfolio including ratings.
- S&P Capital IQ Pro (S&P Global Market Intelligence): S&P Capital IQ Pro is a leading financial data and analytics platform from S&P Global covering public and private companies, fixed income, and credit markets. It competes broadly with Cognitive Credit for institutional credit research budgets and is also a data partner.
- Bloomberg Terminal: Bloomberg Terminal is the dominant workstation for institutional finance professionals, providing credit data, analytics, and communication tools. Its comprehensive credit coverage and deep institutional penetration make it the primary entrenched alternative to Cognitive Credit's workflow.
- LSEG (Refinitiv) Workspace: LSEG (formerly Refinitiv) provides financial market data and analytics through Workspace and DataScope, serving fixed income and credit professionals globally. It is a broad incumbent offering overlapping credit data and analytics capabilities to the same institutional customer base.
- FactSet: FactSet provides financial data and analytics for institutional investors, including fixed income and credit content. While more equity-focused historically, it competes for the same credit research workflow budgets at asset managers and investment banks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Cognitive Credit social profiles
Digital presenceCognitive Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cognitive Credit leadership team
Management profileNumber of profiles
Profiles4 records
Cognitive Credit funding detail
Funding detailFunding overview
Funding rounds2 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cognitive Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cognitive Credit
What does Cognitive Credit do?
Cognitive Credit provides structured credit data, analytics, and AI-powered credit analysis tools for institutional credit investors. Its platform covers 3,100+ bond and loan issuers across US, European, and emerging markets, using proprietary machine-reading technology to extract financial data from 200,000+ official filings and deliver it through a web application, Excel Add-in, REST API, and a credit-specialist generative AI assistant. Customers include asset managers, hedge funds, investment banks, and financial advisory firms that subscribe to data licenses for fundamental credit analysis.
Is Cognitive Credit a public or private company?
Cognitive Credit is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cognitive Credit founded?
Cognitive Credit was founded in 2017. It employs 51 to 100 people.
Where is Cognitive Credit based?
Cognitive Credit is headquartered in London, United Kingdom, in the Europe region.
How does Cognitive Credit make money?
Three revenue lines are on record. Data Licenses (Web Application) is the primary driver. The others are REST API Data Access and excel Add-in.
Who are Cognitive Credit's main competitors?
Direct peers on record are 9fin, Xtract Research, BondCliQ, IHS Markit (now part of S&P Global) and Leveraged Commentary & Data (LCD, Morningstar). Broad incumbents are Moody's Analytics, S&P Capital IQ Pro (S&P Global Market Intelligence), Bloomberg Terminal, LSEG (Refinitiv) Workspace and FactSet.
Does Cognitive Credit have an API?
Yes. REST API service enabling programmatic access to structured historical financial data across over 1,300 issuers in US High Yield, European High Yield, and European Investment Grade coverage universes. The API provides two tiers: Credit Metrics (90+ essential credit metrics and as-reported items) and Historical Models (line-by-line accounts including income statements, cash flow statements, balance sheets, debt notes, EBITDA bridges, geographic and segmental splits, operating KPIs, and derived credit metrics). Custom integration is supported for multiple programming languages including C#, Java, Javascript, Python, and Typescript. Developer documentation is at cognitivecredit.com/products/api.
What industry is Cognitive Credit in?
Cognitive Credit's product category is Credit Data Analytics. Its primary akta.pro industry code is FSACAGAB, Credit Research. Its NAICS code is 5223 and its SIC code is 6199.