> ## Documentation Index
> Fetch the complete documentation index at: https://docs.debtstack.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Introduction
> The credit API for AI agents
# Welcome to DebtStack
Corporate structure and debt analysis is complex. Even with AI, achieving accuracy, speed, and cost-effectiveness requires significant engineering. DebtStack does this hard work once, giving you instant API access to pre-computed, quality-assured credit data.
## The Problem
Extracting accurate corporate structure and debt data from SEC filings is surprisingly hard:
* **Accuracy challenges**: LLMs return malformed JSON, misinterpret amounts, confuse entity names
* **Speed variability**: A single extraction can take 90-300 seconds with multiple LLM calls
* **Cost uncertainty**: Ad-hoc extraction costs \$0.03-0.50+ per company
* **Expertise required**: Understanding 10-K structure, Exhibit 21, debt footnotes, VIEs
**The Solution**: DebtStack runs extraction once with rigorous QA, then serves pre-computed data via fast API.
## Current Database
**314 companies** covering S\&P 100, NASDAQ 100, and broader S\&P 500, with thousands of debt instruments, credit ratings, CDS spreads, real-time bond pricing, and searchable SEC filing sections. Expanding to 500+ companies.
314 companies with debt instruments, credit ratings, covenants, guarantees, collateral, and keyword/semantic/hybrid search across indentures, credit agreements, and SEC filings
Field selection, powerful filters, and consistent JSON responses designed for LLM consumption
Bond pricing from FINRA TRACE with yield-to-maturity and spread calculations
S\&P, Moody's, Fitch ratings + CDS spread time series across 250+ companies
Full-text search across thousands of SEC filing sections including indentures and credit agreements
## Coverage
S\&P 100, NASDAQ 100, and broader S\&P 500 companies across all sectors:
| Sector | Sample Companies |
| ----------------- | ----------------------------------------------------- |
| Tech | AAPL, MSFT, NVDA, GOOGL, META, AMZN, TSLA, ORCL, AVGO |
| Financials | JPM, GS, BAC, WFC, MS |
| Healthcare | JNJ, UNH, LLY, ABBV, MRK, IDXX, DXCM |
| Consumer | WMT, COST, HD, MCD, KO, PEP, ORLY |
| Telecom/Cable | CHTR, ATUS, TMUS, LUMN |
| Energy | XOM, CVX, OXY |
| Offshore Drilling | RIG, VAL, DO, NE |
| Airlines | AAL, UAL, DAL |
| Semiconductors | NVDA, AMD, AVGO, GFS, CDNS |
## Quick Example
Find the highest-leverage company among the MAG7:
```python theme={null}
import requests
response = requests.get(
"https://api.debtstack.ai/v1/companies",
params={
"ticker": "AAPL,MSFT,GOOGL,AMZN,NVDA,META,TSLA",
"fields": "ticker,name,net_leverage_ratio",
"sort": "-net_leverage_ratio",
"limit": 1
},
headers={"X-API-Key": "ds_xxxxx"}
)
print(response.json())
# {"data": [{"ticker": "TSLA", "name": "Tesla, Inc.", "net_leverage_ratio": 1.8}]}
```
## 14 Core Primitives
DebtStack offers 14 atomic API endpoints optimized for AI agents:
| Primitive | Endpoint | Cost | Purpose |
| ----------------- | ------------------------------------ | -------- | ---------------------------------------------- |
| Search Companies | `GET /v1/companies` | \$0.05 | Filter by leverage, sector, 15+ filters |
| Search Bonds | `GET /v1/bonds` | \$0.05 | Find by yield, seniority, maturity |
| Resolve Bond | `GET /v1/bonds/resolve` | \$0.05 | Map CUSIP/ISIN or free-text to bond |
| Financials | `GET /v1/financials` | \$0.05 | Quarterly income, balance, cash flow |
| Collateral | `GET /v1/collateral` | \$0.05 | Collateral securing debt |
| Covenants | `GET /v1/covenants` | \$0.05 | Search structured covenant data |
| Ratings | `GET /v1/ratings` | \$0.05 | Credit rating history (S\&P, Moody's, Fitch) |
| CDS Spreads | `GET /v1/market/cds` | \$0.05 | CDS spread time series |
| Compare Covenants | `GET /v1/covenants/compare` | Business | Compare covenants across companies |
| Company Changes | `GET /v1/companies/{ticker}/changes` | \$0.10 | Track debt structure changes |
| Traverse Entities | `POST /v1/entities/traverse` | \$0.15 | Follow guarantor chains |
| Search Documents | `GET /v1/documents/search` | \$0.15 | Search SEC filings (keyword, semantic, hybrid) |
| Batch | `POST /v1/batch` | Sum | Execute multiple operations |
| Request Coverage | `POST /v1/coverage/request` | Free | Request coverage for non-covered companies |
## Data Quality
**Estimated data is always flagged.** When data cannot be extracted and must be inferred:
* `issue_date_estimated: true` - Issue date inferred from maturity date
* Future estimated fields follow the same pattern
## Data Freshness
DebtStack extracts directly from the latest SEC EDGAR filings, providing **12-18 months fresher data** than LLMs like ChatGPT or Gemini.
| Source | Data Period | NVDA EBITDA Example |
| -------------- | -------------------------- | ------------------- |
| **DebtStack** | Nov 2025 (FY2026 Q3) | \$121B |
| Gemini/ChatGPT | Q1 2025 (knowledge cutoff) | \$39B |
## Integrations
Use DebtStack as a tool in your LangChain agents
Model Context Protocol integration for Claude
Direct API access with any HTTP client
## Getting Started
Sign up at [debtstack.ai](https://debtstack.ai) to get your API key
Try the quickstart guide to query company data
Browse the full API reference for all endpoints
Ready to start? Check out the [Quickstart Guide](/quickstart).