1. Start with a ticker
Pull company filings, presentations, business descriptions, segment disclosures, management information, and recent events.
Free·Built for credit, equity & special situations analysts
OREO turns a ticker into a source-backed research packet.
An AI-driven workflow for organizing public-company research: filings, presentations, debt documents, capital structure, regulatory records, litigation and public-record links, and memo or deck preparation — without losing sources, context, or version history.
Free to use. No credit card required.
Research packet preview
Business overview
Filings & presentations
Capital structure
Debt documents
Covenants & LMEs
Entity map
Regulatory / litigation links
Memo or deck output
Everything stays tied to source files, saved documents, and analyst-reviewable outputs.
Research, organized end-to-end
Move from business overview to filings, debt documents, regulatory checks, financials, capital structure, and final output in one workflow.
AI-assisted, analyst-controlled
Use AI for summaries, extraction, comparison, and drafting while keeping source links and analyst judgment reviewable.
Built for public-source diligence
Combine SEC filings, company materials, credit documents, regulatory databases, public-record links, and saved analyst notes.
What OREO does
From public information to investment work product
OREO is designed around the actual analyst workflow, not just a collection of tabs.
2. Build the evidence file
Organize SEC filings, investor decks, debt documents, regulatory filings, litigation links, UCC/state records, and saved documents by issuer.
3. Analyze the capital structure
Review debt stack, maturity schedule, key exhibits, guarantors, borrowers, restricted subsidiaries, covenants, and liability management risk.
4. Export the work product
Draft memos, research notes, slide decks, diligence checklists, and source-backed summaries for review.
Built for
Built for different analyst workflows
Credit analysts
Find debt documents, maturity issues, covenant terms, guarantor structures, restricted subsidiary baskets, and potential liability-management angles faster.
Equity analysts
Add credit-style diligence to public-equity research with better visibility into leverage, liquidity, legal risk, regulatory exposure, and management history.
Distressed & special situations
Surface complex capital structures, entity-level issues, litigation, restructuring events, exchange offers, and hidden public-record risks.
Private credit & lending diligence
Use public filings, state links, UCC search paths, lien records, regulatory databases, and company materials as a diligence layer before deeper review.
Independent writers & research publishers
Build source-backed research notes, Substack drafts, public writeups, and structured company deep dives with citations and saved source files.
Students & junior analysts
Learn a professional research process for stock pitches, credit memos, CFA Research Challenge prep, investment clubs, and interview preparation.
Product view
A quick look inside the research workstation
Screens shown are from the live platform. Enter a ticker, choose a workflow, save source documents, and generate analyst-ready outputs.
Research modules
Core modules
Use only what you need, or move through the full workflow from ticker to final memo.
Company overview
Business description, segments, management, competitors, market structure, and first-pass research questions.
Filings & presentations
Retrieve, archive, search, and summarize SEC filings, investor presentations, earnings materials, and company documents.
Capital structure
Debt stack, maturity schedule, key exhibits, financial snapshots, and credit timeline.
Debt documents
Credit agreements, indentures, amendments, collateral documents, guarantees, joinders, intercreditor agreements, and related exhibits.
Covenants & liability management
AI-assisted review of restricted payments, debt capacity, liens, asset sales, investments, defaults, and priming / exchange risk.
Entity mapper
Identify borrowers, issuers, guarantors, restricted subsidiaries, unrestricted subsidiaries, non-guarantor restricted subs, and special-purpose entities.
Regulatory records
Access relevant agency data and filings across SEC, FCC, USPTO, FDA, EPA, OSHA, FERC, NHTSA, SAM.gov, and other public sources where available.
Public-record diligence
State-by-state links and workflows for secretary of state searches, UCC records, litigation, tax liens, county records, and other manual diligence sources.
News & events
Daily ticker updates, recent filings, press releases, earnings events, restructuring developments, and saved event history.
Memo & deck preparation
AI-assisted drafting for credit memos, equity research notes, IC summaries, diligence checklists, and slide decks.
Saved document archive
Store filings, PDFs, Excel files, presentations, credit documents, and generated outputs by ticker.
Export / download all data
Download research packets, saved documents, source files, and generated outputs for offline review.
Use cases
Sample use cases
OREO is easiest to understand by seeing the workflow applied to real companies.
LUMN, AMC, HTZ, BHC
Distressed credit review
Build a capital-structure packet, retrieve debt docs, review maturities, identify covenant issues, and prepare a credit memo.
Build distressed credit packetEchoStar, telecom, broadcasters, utilities
Regulatory-heavy company review
Combine SEC filings with agency-level records, spectrum/regulatory documents, public proceedings, and event history.
Run regulatory workflowIndustrials, healthcare, consumer finance, energy
Hidden-risk scan
Check litigation, enforcement actions, environmental records, licensing databases, public-record links, and state filings.
Run hidden-risk scanAny public-company ticker
Student stock or credit pitch
Generate a structured research starter pack for investment clubs, class projects, interview prep, or CFA Research Challenge work.
Create pitch packetStart with one ticker.
Create an account and generate your first source-backed research packet. Use OREO for credit diligence, equity research, special situations, student pitches, or public-company monitoring.
Free to use. No credit card required.