Everything public on the names you cover, read and triaged against your own criteria — delivered as one short note each morning.
Request accessOn 9 July, S&P cut Oracle one notch to the bottom of investment grade. Here is what landed in the inbox that day — and everything the call was built on. AI slop is drowning every professional’s inbox; the only AI output a credit investor can act on is one they can verify. So no claim ships without the paragraph it came from.
S&P cuts Oracle to BBB− from BBB on AI-infrastructure business risk; outlook stable, short-term to A-3.
A one-notch cut to the lowest investment-grade rung, with a simultaneous short-term/CP cut to A-3, is a rating action at the IG/HY threshold — index-eligibility and CP-market access consequences make it interrupt-the-day material regardless of the stable outlook.
“We now forecast Oracle’s fiscal 2027 FOCF deficit to widen to nearly $42 billion … weaker than our prior forecast of negative $24 billion.” ✓ verified in source · S&P Global Ratings · open paragraph ›
“We forecast S&P Global Ratings-adjusted leverage will reach the mid-4x area in fiscal 2027 … higher than our ‘BBB’ downgrade trigger of 4x.” ✓ verified in source · S&P Global Ratings · open paragraph ›
“We estimate that OpenAI makes up roughly half of the $638 billion in RPO.” ✓ verified in source · S&P Global Ratings · open paragraph ›
Every 15 minutes the system polls SEC EDGAR, the agency wires, and the newsletters you already subscribe to. Material events interrupt your day the moment they land. Everything else waits for the morning note, laned by severity. Silence is rendered deliberately — the note tells you which names were quiet, so you never wonder whether it was watching.
Newsroom-backed research covers the names its largest clients hold. A smaller shop’s mid-cap credits are covered by no one, because human coverage scales with headcount. Ours scales with compute. Adding a name is a config entry and one command — no integration, no procurement, and nothing leaves the public record.
EDGAR filings and their exhibits, agency actions, news wires, your newsletters.
Materiality judged against watch criteria you configure — your thresholds, not ours.
An immediate alert when it can’t wait; one short note when it can.
Every correction you send back becomes permanent calibration for your names.
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