# Smalt AI

> The AI coworker that finishes the work. One human, one AI coworker, one shared desk — capable of research, emails, contacts, decks, financial modelling, and spreadsheet analysis. Tell it what you want in plain language; it does the work end-to-end.

Smalt AI is operated by Smalt AI Sdn Bhd. The product is delivered as a single chat interface at app.smaltai.com. It leverages the strengths of many models — open-source and frontier alike — routing each step to whichever is best optimised for it, with the platform continuously updated to the best fit per task and a long-context capability for reading full filings and transcripts in one pass. Pricing is credit-metered with a Free tier (500 credits, no credit card), Basic, Pro, and Enterprise (self-hosted) plans. Alongside the product, Smalt AI offers services: the team builds custom AI workflows for businesses (process automation, system integrations, purpose-built agents deployed on the Smalt platform, rollout and training), scoped and quoted per engagement.

## Product overview

- [Home](https://smaltai.com/): What Smalt AI does
- [Showcase](https://smaltai.com/showcase): Real deliverables Smalt returns from a one-line brief — working .xlsx models, native .pptx decks, sourced research
- [About](https://smaltai.com/about): Origin of the brand, founder, principles for AI at work
- [Subscription](https://smaltai.com/subscription): Pricing tiers, credits explanation
- [Services](https://smaltai.com/services): Custom AI workflow services for businesses — process automation, system integrations, custom agents on Smalt, rollout and training. Scoped per engagement; contact ethan@smaltai.com

## Comparisons

- [Smalt AI vs ChatGPT, Claude & Gemini](https://smaltai.com/compare/ai-assistants): Four-way read — the general assistants chat; Smalt AI ships the deliverable
- [Gamma vs Smalt AI](https://smaltai.com/compare/gamma-vs-smalt-ai): Gamma formats a deck fast; Smalt does the analysis behind it and ships native PowerPoint
- [Claude vs Smalt AI](https://smaltai.com/compare/claude-vs-smalt-ai): A foundation model vs a finished finance application built on top
- [ChatGPT vs Smalt AI](https://smaltai.com/compare/chatgpt-vs-smalt-ai): General-purpose assistant vs purpose-built finance deliverables
- [Compare index](https://smaltai.com/compare): All comparisons

## Use cases

- [Use cases overview](https://smaltai.com/use-cases): Full list of what the AI coworker handles
- [Financial modeling](https://smaltai.com/use-cases/financial-modeling): DCF, LBO, three-statement, comps — real Excel formulas, not LLM-typed numbers
- [Investment research](https://smaltai.com/use-cases/investment-research): Market maps, competitor scans, filings analysis with paragraph-level citations
- [Pitch decks](https://smaltai.com/use-cases/pitch-decks): Bain / McKinsey-grade PowerPoint with insight titles and analyst right-rail commentary
- [Excel automation](https://smaltai.com/use-cases/excel-automation): Sensitivity tables, returns analysis, model audits handed back as workbooks with live formulas
- [Due diligence](https://smaltai.com/use-cases/due-diligence): First-pass DD across filings, news, expert calls — every claim sourced

## Glossary — corporate finance terms, analyst-grade

- [Glossary index](https://smaltai.com/glossary): All terms grouped by topic
- [DCF](https://smaltai.com/glossary/dcf): Discounted cash flow — formula, mid-year convention, 14-sheet build, terminal value, common errors
- [LBO](https://smaltai.com/glossary/lbo): Leveraged buyout — sources & uses, debt schedule with cash sweep, returns waterfall, IRR/MOIC math
- [Three-statement model](https://smaltai.com/glossary/three-statement-model): Linked P&L, balance sheet, cash flow with circularity break and balance checks
- [Sensitivity analysis](https://smaltai.com/glossary/sensitivity-analysis): Two-variable data tables, tornado charts, scenario vs sensitivity, 5×5 construction
- [WACC](https://smaltai.com/glossary/wacc): Weighted-average cost of capital — CAPM build, market-value weights, after-tax cost of debt
- [NPV](https://smaltai.com/glossary/npv): Net present value — capital budgeting decision rule, vs IRR, common errors
- [IRR](https://smaltai.com/glossary/irr): Internal rate of return — XIRR vs IRR, MOIC, multiple-IRR pitfall, reinvestment assumption
- [Free cash flow](https://smaltai.com/glossary/free-cash-flow): FCFF vs FCFE, owner earnings, maintenance vs growth capex
- [EBITDA](https://smaltai.com/glossary/ebitda): Earnings before interest, tax, D&A — strengths, limitations, Adjusted EBITDA red flags
- [EV/EBITDA](https://smaltai.com/glossary/ev-ebitda): The default M&A and PE multiple — LTM vs NTM, peer selection, drivers
- [Working capital](https://smaltai.com/glossary/working-capital): DSO/DIO/DPO modelling, cash flow signs, the growth tax, negative-WC businesses
- [Comps](https://smaltai.com/glossary/comps): Comparable company analysis — peer set construction, multiple selection, median vs mean

## Trust and policies

- [Trust & Policies index](https://smaltai.com/legal/)
- [Privacy Policy](https://smaltai.com/legal/privacy)
- [Terms of Service](https://smaltai.com/legal/terms)
- [Sub-processors](https://smaltai.com/legal/sub-processors): Third-party data processors used by the platform
- [Security](https://smaltai.com/legal/security): Infrastructure, encryption, access control, compliance posture
- [Responsible AI](https://smaltai.com/legal/responsible-ai): Human-in-the-loop principles
- [Service Level Agreement](https://smaltai.com/legal/sla)
- [Acceptable Use Policy](https://smaltai.com/legal/acceptable-use)
- [Cookie Policy](https://smaltai.com/legal/cookies)
- [Data Processing Agreement](https://smaltai.com/legal/dpa)

## Contact

- Founder: Ethan
- Email: ethan@smaltai.com
- App: https://app.smaltai.com
- Marketing: https://smaltai.com