SureThink

Contract surety underwriting · end to end

Every submission read by morning.
Every decision still signed by you.

SureThink reads the financials, scores the account, drafts the memo with every figure cited, and hands the call to the underwriter whose authority covers it — then seals the record so it replays years later.

Book a working sessionFollow one case

39 pipeline steps91 rules on day oneevery figure citedevery decision signed

One file · one working dayNorthbridge Surety · Wednesday
Priya, an underwriter, talks through a file with a colleague at a wooden table
09:41
Calder Land Group Inc.Files
fy2025-balance-sheet.pdfPendingReadingReady
reo-schedule-2026.pdfPendingReadingReady
bramwell-estimate-ph2.pdfPendingReadingReady
kestrel-commitment-ph2.pdfPendingReadingReady
Priya drops in the Calder file. Four documents from the client, typed and read while she finds the bond.
The underwriting team in a meeting room with laptops open
09:45
Developer — subdivision bondLive
Classifier4 files typed
Extractor38 figures, cited
Rule Filter91 rules
AI Analyst78 · B
Approval Tray$3.6M is over Priya’s $2M — waits for Daniel
The pipeline works through the 10 o’clock. 62 pages read, 91 rules checked, a memo drafted — then it stops and waits for a signature.
Two senior colleagues high-five across a desk covered in papers
16:31
Decision recordedSealed
Daniel OkaforSenior underwriter · limit $5MApproved
Mei ChenVP, surety · four eyesCounter-signed

chain head #1,285 · 9f2c…41ab

Daniel approves. Mei counter-signs. Two names, one record — sealed, and still replayable two years from now.

The same case, in SureThink

Here’s what they were looking at.

Every screen below is the real app, re-drawn. Follow the Calder file from the moment Anne’s documents land to the moment Mei’s signature seals the record.

surethink.app/accounts/calder-land-group/files

Anne emails them; Priya drops them onto the account. Every file typed and read.

Real SureThink screens, re-drawn. Sample data: Calder Land Group and everyone named here are fictional.One case · about fifty seconds

A survey crew walks across a large graded construction site with rebar laid out in rows

What the bond secures

Behind every file, something real gets built.

Heron Ridge Phase 2 is 84 lots of roads, water mains and sewers that the Town of Millbrook will one day own. The $3.6M bond is the town’s promise they’ll be finished. That’s why the file is read this carefully.

Heron Ridge Phase 2 · Millbrook, Ontario · sample case

How one case moves

Four files in. One signature. Six things out.

The machine does the reading, the checking and the drafting in minutes. Then it stops — at a person, by design — and only moves again when someone with the authority signs.

Four documents enter a pipeline of Classifier, Extractor, Rule Filter and AI Analyst, wait at an Approval Tray for Daniel Okafor to sign, then produce a Decision Record, a memo PDF, a terms letter, a review PDF, an audit pack and a share link.ARRIVESREADS · CHECKS · DRAFTSDECIDESCOMES OUTcalder-fy2025-balance-sheetcalder-reo-schedulebramwell-estimate-ph2kestrel-commitment-ph2from Anne Calder, CFO · dropped in by PriyaClassifierExtractorRule FilterAI Analyst4 files typed38 figures91 rules78 · BApproval TrayDaniel OkaforSLA 24h · four eyesDecision RecordMemo · PDFTerms letterReview · PDFAudit pack · ZIPShare link09:41 → 09:45 · four minutes of machine workwaits as long as it needs to16:22 · signed
in flightwaiting on a personsigned · sealed

Pipelines

Map it on the wall on Monday. Run it on Tuesday.

The process your team already agrees on becomes a pipeline: steps from the shelf, in your order, with people where your policy puts them. Test-run a real file before it goes live.

An underwriting team maps its review process on sticky notes on a whiteboard
Monday · the process, on a wall
Developer — subdivision bondDraft · v8Test runPublish v8
Search steps
Document tools
Classifier
Extractor
WIP Extractor
Cross-Check
Filters
Rule Filter
Router
Score Filter
AI
AI Analyst
AI Summarizer
Human stations
Committee Tray
Approval Tray
Outputs
Terms Letter
ExtractorDocument tools · every figure cited
Rule FilterFilters · 91 rules
RouterFilters · splits into 2 routes
Bond ≤ $5M
Approval TraySLA 24h · four eyes
Ends in Decision Record
Bond > $5M
Committee Tray3 signers · SLA 72h
Ends in Decision Record
Committee Tray
  • 39 steps on the shelf. Triggers, document tools, filters, AI, human stations, actions and outputs.
  • People are steps too. Review, Approval and Committee trays carry an SLA and a four-eyes rule.
  • Observe before it acts. A new rule reports for a while before it is allowed to change an outcome.

See the pipeline builder

Evidence

Every number reaches its page.

Click a figure and the source document opens at the line it was read from. Low-confidence reads are marked, corrections keep both numbers, and “Copy with citation” carries the source with it.

  • Read, not guessed. Each figure names its document and page, or its sheet and cell.
  • Doubt is visible. Below the bar, a figure is flagged — it is never quietly averaged.
Hands working through printed financial statements beside a laptop
Harlow & Pike LLP prepared this balance sheet. SureThink quotes their page 3 — it doesn’t paraphrase it.

How every figure is cited

Extracted dataread by Claude
Total current assets34,400,00094% confidence
Total current liabilities7,900,00096% confidence
Shareholders’ equity20,300,00097% confidence
Operating line, undrawn2,500,000Low confidence — 61%
Total current assets: 34,400,000 — calder-fy2025-balance-sheet.pdf, p. 3
calder-fy2025-balance-sheet.pdf
Calder Land Group Inc.Balance sheet · December 31, 2025
Prepared by Harlow & Pike LLP
Assets
Cash3,900,000
Receivables1,200,000
Lots held for sale27,600,000
Total current assets34,400,000
Liabilities
Payables and accruals4,100,000
Total current liabilities7,900,000
Operating line — authorized $2,500,000, undrawn—
Equity
Shareholders’ equity20,300,000
p.3

Accounts

A financial health profile for every account.

Upload the statements once. SureThink spreads them, scores the account out of 100 and keeps the trend — with red flags and positives written out beside the number.

  • A score you can explain. Five ratios, fixed weights, no AI in the arithmetic — so the same file scores the same way twice.
  • Everything in one place. Facility, work on hand, bonds, memos, write-ups and files sit on the account.
Anne Calder, the client's CFO, standing at a desk in an open office
Anne CalderCFO, Calder Land GroupSent the FY2025 statements once. Nobody emailed her back for a spreadsheet.
92HEALTH

Calder Land Group Inc. Active

$4M single · $12M aggregateDeveloper
Financial health
92↑ 4 vs last profile
Current ratio4.35
Debt-to-equity1.33
Net profit margin10.0%
Revenue trend+12.0%
Quick ratio0.64
current 25%leverage 25%margin 25%growth 15%quick 10%
Signals
Medium$18.0M of project debt guaranteed
Medium$5.1M of debt matures within 12 months
LowCash is mostly in lots — quick ratio 0.64
PositiveRevenue up 12% year on year
Positive$2.5M operating line, undrawn

Templates · Research · Memos

From a template to a cited memo, while you do something else.

Choose a memo template from the shelf. Agents read the file and research the market, filling each data point with its source. What comes back is a draft with every figure cited — and gaps marked, not papered over.

1Template

Contract · DeveloperSureThink
Subdivision bond

The request, the estimate, funds to complete and the developer’s capacity, for a servicing agreement bond.

6 sections · 29 data points

In use · 12 memosPreviewUse
1The requestform
2Contract termsform
3Funds to completetable
4Capacity for the jobdraft
5Owner & projectdraft
6Recommendationdraft

2AI Research

Building memo · 2 agents working

29 of 29 data points in
Estimated cost of works$3,000,000bramwell-estimate… · p.4PendingResearching…Verified
Lots sold, firm31 of 84calder-reo-schedule… · p.2PendingResearching…Verified
Absorption, Millbrook~4 / monthTier 2 — trade researchPendingResearching…Verified
Loan, undrawn$3,800,000kestrel-commitment… · p.1PendingResearching…Low confidence
Indemnity, Anne CalderNot foundNo source met the barPendingResearching…Not found

3The memo

Subdivision bond request
Heron Ridge Phase 2

Drafted by SureThink agents from 4 documents and 1 web source. Every figure is cited.

1 · The request

A servicing bond of $3,600,000 for the Town of Millbrook — 120% of an estimate of $3,000,000.

4 · Capacity for the job

Equity of $20.3M; 31 of 84 lots sold firm; about four a month in comparable subdivisions. Indemnity, Anne Calder: Not found.

6 · Recommendation AI Recommendation

Approve at $3.6M, conditional on the second indemnity.

documentwebtyped by a personcalculatedmissing
Two colleagues read through a draft together at a table by a window
14:05 · Priya reads the draft with a colleague. One gap to chase — Anne’s indemnity — and a recommendation to agree with or change. Nothing is final until she finalizes it.

Memo templates for underwriting, bond requests, WIP reviews, indemnitor reviews, bond reductions, declinations and more — or build your own in the template builder.

See a cited memo in full

Authority

The case finds the person who can sign it.

Every underwriter carries a limit. A case above it is referred up, never dropped. Above your four-eyes threshold, a second person must sign — and the first signer can’t be the second.

  • AI recommends, people decide. The analysis is always labelled. The decision always has a name on it.
  • Immutable once submitted. A decision can be superseded, never edited.

See the controls

Priya NairUnderwriter · single limit $2MOpened the case
Beyond your authority  $3.6M is above $2M — referred up
Daniel OkaforSenior underwriter · single limit $5MApproved
Four eyes  a second signer is required — Daniel is excluded
Mei ChenVP, surety · single limit $10MCounter-signed
Sealed  Decision Record · chain head #1,285
Authority limits by roleRefer-up routingFour-eyes enforced by the systemSLA per tray

Audit

Years later, it replays exactly.

Every action lands on a hash-chained ledger, sealed every minute and stamped hourly by an outside timestamp authority. When the auditor asks, you hand over a pack they can verify themselves.

The ledger is intact

Every entry is chained. Last outside timestamp 16:00 · DigiCert.

chain head #1,285 · 9f2c…41abchain head #1,284 · 4b7e…90c3
Ledger
WhenWhoWhat happenedSeal
16:31Mei ChenCounter-signed · Heron Ridge Phase 2#1,285Waiting for its seal
16:22Daniel OkaforApproved · Heron Ridge Phase 2#1,284
15:08Priya NairFinalized memo · Subdivision bond request#1,283
09:45Rule FilterCS-038 → refer · held for a signer#1,282
09:41Priya Nair4 documents added · SHA-256 fingerprinted#1,281
Audit pack · v1Sealed
00_README.pdf
01_Index.pdf
04_Trail
ledger.jsonl
chain_links.csv
05_Controlsfindings.csv
06_AIai_vs_decisions.csv
08_Verifyverify.py · manifest.json

Stored in a write-once vault for at least seven years. Legal holds are enforced by the database, not by a policy document.

See a decision record

Outputs

What comes out the other end.

Anything that leaves SureThink is fingerprinted before it goes — the entry is written first, with the SHA-256 of exactly what left.

sha256 9f2c…

Record

Decision Record

Decision, signers, the AI’s labelled view, evidence and seal — top to bottom.

PDF

PDF

Underwriting memo

Every figure cited, with a sources appendix and a list of what wasn’t established.

PDF

PDF

Terms & decline letters

Written from the decision, ready to send.

PDF

PDF

Review report

Confidence, grade, requirements met and not met, next steps.

ZIP

ZIP

Audit pack

Trail, controls, AI-vs-decision and a verify script the auditor can run.

CSV

CSV

Exports

Reviews and the audit log, for your own reporting.

read-only

Link

Share link

A read-only view of a review for a broker or a colleague.

guest

Room

Auditor room

Guests sign in with an emailed code and see only what you share.

A hand signs a printed document with a fountain pen

Start with one workflow

Bring one real file. Watch it run.

Thirty minutes on your own process. We set up a pipeline, your authority limits and a memo template, run your file through it, and hand you the record that comes out.

  • A pipeline mapped to your process
  • The memo it drafts, every figure cited
  • Your authority map, role by role

No deck. We’ll ask you to bring one real file, redacted however you need it.