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Reorg Restructuring Risk Index (RRRI)

Get to distressed companies before your competitors do.

This white paper breaks down how the RRRI flags bankruptcy risk months before it becomes public, and how restructuring attorneys are using that lead time to find mandates before they’re announced.

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Identify distress before the mandate is in play

Inside the white paper: how the RRRI’s NLP model reads the language of financial distress in filings, transcripts and press releases, weeks or months before a Chapter 11 filing makes news.

  • How the model works: Eight NLP sub-models combine into a single 0–100 risk score, with no reliance on financial tables.
  • Why language beats financial ratios: Covenant stress, going-concern disclosures, and strategic alternatives language surface weeks or months before formal announcements.
  • Proof it works: The RRRI flagged ModivCare’s distress more than a year before its August 2025 Chapter 11 filing.

See where the RRRI lives

This white paper covers the model behind the score. These two pages cover the product, from the full RRRI breakdown to how it works inside Credit Cloud.

 

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