Three phone calls, one draft term sheet

Every term traces back to the sentence it came from. Drop a call and the terms it carried go back to open.

Recorded relationship calls

Flags for the banker

Drafted from the calls above

Coverage test — does this deal clear the covenant it proposes?

Open items — nothing in the included calls covered these

Where the line is

This drafts a document a person then edits, signs, and sends. It does not price the loan — the rate and fee come out of the bank's own pricing grid, not out of the conversation — and it does not approve, decline, or score anybody. What it removes is the hour the lender spends retyping into a template what he already said out loud, and the terms that quietly go missing between the third call and the draft.