Product

The Rebelative Terminal — and the Credit OS beneath it.

The agent-native terminal your desk works in, powered by a governed credit-intelligence engine — and available as an API and data feeds for systematic teams.

The engine

Credit Operating System

Beneath the Terminal, the Credit Operating System is the engine: the governed intelligence layer + native agents + institutional memory.

Governed intelligence layer

Proprietary model-as-a-product that unifies fragmented alternative and traditional credit data

  • The reference layer for alt-data credit
  • Custom code transforms raw data into credit intellingence every day
  • Entity resolution, point-in-time logic, and model processing
  • Supports institutional memory and native credit agents
  • Builds credit-native signals and workflows on top of raw data
  • Per-client private catalogs (your IP never mixes with others)
  • Full governance, audit trails, versioned methodology, compliance built-in

Native agents

Credit-specific AI agents that live inside the Credit Operating System and are directly powered by the governed intelligence layer.

  • Built exclusively for credit workflows, with deep understanding of distress signals, relative value, ratings migration, alternative and financial metrics analysis
  • Directly connected to the intelligence layer
  • Deterministic and fully auditable
  • Seamlessly integrated with your tools
  • Natural language or function-call interaction — run one-off research, schedule monitoring jobs, or trigger continuous activities (watchlist tracking, etc.)

Institutional memory

The platform’s ability to remember everything your firm has ever done with credit data and analysis — forever — in a governed, searchable, auditable way.

  • Remembers everything your firm has ever analyzed
  • Knowledge stays in the platform
  • Builds firm's IP over time

Privacy & Institutional Memory by Design.

Every firm’s proprietary models, signals, and analyses remain in fully isolated private catalogs within the Lakehouse. Your IP never leaves your controlled namespace — exactly how leading firms already run sensitive workflows today.

90-day evaluation period

Distribution channels

Research by asking — without the complexity of hard-wired functions and menus.

The agents are built into the Terminal: describe what you need in plain language and the Credit OS runs it. No function codes to memorize, no config screens, no menu maze. Prefer to wire it into your own stack? The same signals and agents ship via API and data feeds.

F-01 Flagship · SaaS

Rebelative Terminal

Quantamental PMs · credit analysts · the whole desk

  • Agent-native research: just ask — no function codes, no config screens
  • One screen for forward-looking signals across thousands of public and private issuers
  • Web terminal + mobile
  • Issuer & portfolio analytics, overlays & watchlists
  • Ratings migration scores · distress heatmaps · earnings & nowcast pages
  • Market share and product adoption trends
  • Factor, signal and KPI analysis and backtests for publicly traded securities
  • Transparent methodology & data-quality pages (panel MAPE, IC, and more)
  • Deterministic engine underneath — no hallucinated numbers
Preview the terminal →
F-02 DaaS

Model API & Data Distribution

Systematic quants · factor PMs · data teams

  • Secure governed data sharing
  • Versioned cloud storage drops
  • Low-latency API + MCP — embed the same signals and agents in your own apps
  • PIT history · no look-ahead · SLAs
Rebelative Terminal displayed on a monitor

The Native Credit Agents — product vision

Let the agents run the lakehouse!

Rebelative is the credit-native host for both its own intelligence agents and external agents.

AG-01 Agent

Credit Research Agents

24/7 agents analyzing data — always aligned to your research workflow.

  • Relative Value Oracle
  • Distress Trajectory
  • Revenue and KPI Nowcaster
  • Thesis Archivist
  • Covenant Sentinel
  • Quant Signal Researcher
  • Fundamental Analyst
AG-02 Agent

No need for hard-coded research functions

Growing smarter by day, one signal at a time.

  • The agents implement popular research workflows.
  • Integrate seamlessly with your existing tools (Excel, external MCPs, APIs, etc).
  • Research outputs flow directly into the formats and downstream tools your team already uses.
  • A facilitation layer over the deterministic signal engine. Type "schedule QOQ revenue tracking + correlations" — the agent parses intent and runs the job against the Rebelative model.
REBEL · research console

user@creditfundco:~$

rebel> Rebel, schedule Software Sector QOQ Est Revenue Tracking report

and correlations to the daily OAS changes.

[rebel] understood. drafting plan...

  1. 1. parse scope sector=Software · universe=12 issuers · period=Q1 FY26, rolling 8q
  2. 2. identify issuers CloudCo, TechFin, DataWareCo, SecOpsCo, CrmCo, ...
  3. 3. assemble signals revenue_nowcast, card_spend, job_postings, app_dau, capex_proxy
  4. 4. nowcast QOQ revenue per issuer, PIT-aligned
  5. 5. join OAS panel TRACE ΔOAS, 3d lag, sector-neutral
  6. 6. compute correlations Spearman ρ(rev, ΔOAS), significance flags
  7. 7. schedule + delivery weekly Mon 07:00 ET · XLSX + Snowflake + PDF

[rebel] sample preview — Software sector, last 8q (Spearman, 3d lag):

issuer QOQ nowcast ρ(rev,ΔOAS) signif OAS 90d trend
CloudCo +12.4% -0.62 p<0.01
TechFin +8.1% -0.48 p<0.05
DataWareCo +3.2% -0.21 n.s.
SecOpsCo -1.4% +0.39 p<0.05
CrmCo +5.7% -0.33 p<0.10

✓ scheduled software_sector_qoq_rev_oas.report

recurrence: weekly Mon 07:00 ET · output: XLSX + Snowflake + PDF · first run: 27 Apr · subscribers: Max, J...

[rebel] I'll also watch for regime shifts — if ρ(rev, ΔOAS) weakens > 0.15 in any 60d window, I'll flag you.

sources used: card-spend panel, job-postings, app DAU, DB-tier capex proxy, TRACE ΔOAS.

rebel> _(type to continue the thread, or /schedule /backtest /watchlist /export)

Rebelative Terminal — product vision

What the analyst sees: an issuer page.

Mock layout with fictional issuer names (RetailCo, EnergyCo, TechFin) — built on synthetic data aligned to our proposed methodology. Real production schema goes live with each pilot.

rebelative://issuer/RETAILCO
PIT · 2026-05-19

Issuer

RetailCo Holdings

U.S. · Consumer Discretionary · B2 / B

Distress nowcast (90d) 37%
Ratings migration −0.4 notch
Revenue nowcast YoY −6.2%
Cross-sectional RV Q1 / 5
Refi-risk score High

Distress signal · trailing 12 months

Distress threshold crossed · 2026-04 Cash conversion ↓ 14% QoQ Supplier concentration ↑
Preview the terminal →

Signal library

A growing catalog, mapped to credit workflows.

RB-01

Distress nowcast

90-day distress probability per issuer, derived from transaction and cash-flow trajectories.

RB-02

Ratings migration score

Forward-looking upgrade/downgrade probability vs. agency rating actions. PIT, no look-ahead.

RB-03

Market-share trend

Issuer market-share momentum by industry and channel. QoQ and trailing.

RB-04

Revenue nowcast

Revenue forecast aligned to issuer reporting cadence. MAPE-calibrated against history.

RB-05

Cross-sectional RV

Quintile-ranked credit relative-value factor within rating buckets.

RB-06

Distress flag

Threshold-crossing alert when multiple signals confirm distress conditions.

RB-07

Supply-chain stress

Supplier/customer concentration and disruption indicators per issuer.

RB-08

Product adoption index

Consumer/SMB engagement trends for product-led private companies (PE diligence).

RB-09

Refi-risk score

Probability of refinancing distress over the maturity wall, 2026–2030.

Output disclaimer: illustrative signal categories — Rebelative is pre-product. See methodology.

Customers

Built for the entire credit team.

Credit funds

Portfolio overlay, distress overlay, RV signals

Private equity

Diligence, target screening, portfolio monitoring

Investment banks

Origination support, syndication risk

Private markets ops

Underlying issuer enrichment & benchmarking