$500K, a personal guarantee, and hundreds of pages of legal disclosure on a 14-day clock. Gemini reads it and returns a full underwriting report in minutes — every figure citing the page it came from.
Gemini decides what the document says. Deterministic code decides what it means for your money.
Two consequences. The same filing gives two buyers the same answer, auditable line by line. And a corrected formula reaches reports that were already sold, not only new ones.
Disclosed — stated in this filing. Derived — our calculation from disclosed figures. Benchmark — an industry range, shown because the filing does not disclose it. Inferred — an AI classification. The labels are enforced by tests, and the colours they render in are pinned by a test that reads the stylesheet, so an inferred figure cannot be made to look disclosed.
An FDD never discloses what a unit costs to operate. Where a figure is missing, the report says what is missing and where to look for it — never a zero, never an em-dash, never a plausible average from a comparable brand. Of the filings measured, five make no earnings claim at all; the report says so, tells the buyer the franchisor is legally barred from giving them numbers anywhere else, and hands them the Item 20 call list instead. It costs the sale. That is why the rest of the page can be trusted.
“I own and operate two locations in a franchise system, and I've read plenty of FDDs. I ran one through Franchise Edge and then went back through the source document line by line to check it. It found the things that actually decide a deal: the full fee stack, the churn, who to call. Where I found something wrong, it was fixed and deployed within days. That's the part I'd tell another buyer about.”
Deven Patel · multi-unit franchise owner · arms-length user, not a paying customer
His audit is the most valuable feedback this product has received. It found the financial-condition section describing a profitable franchisor as running losses. That defect was then measured across every filing in the catalog, fixed in the producer and locked at render, and deployed inside the submission window.
A sentence that characterises a number must read the number.
A null is not a “no,” and it is not a “yes” either.
A failure that reports success is worse than a crash.
All three are enforced by tests rather than by review, because a rule enforced by human review does not survive contact with scale.