A system of record
Keep each period’s figures, tests and decisions linked to their source documents, with the reasoning behind every decision, so anyone can trace how a borrower was assessed and why.
Powerful portfolio monitoring, built for private lenders.
Reliably automate portfolio monitoring to spot risks earlier, free your team to focus on origination and grow your loan book.
Trusted by leading private lenders managing more than $30B.
A monitoring cycle used to take a full day per loan. Now it takes about two hours.
Borrower packs are spread into our model automatically, with every figure linked to the page it came from.
Covenants are tested as soon as the numbers arrive, so a tight ratio shows up straight away.
Each analyst now covers twelve loans on average, up from four.
We assess four times as much data in every monitoring cycle.
The agents chase late reporting for us, and we can see who is outstanding at a glance.
Compliance certificates are checked against the facility agreement, and any mismatch is flagged for us.
Every loan's monitoring sits in one place, so trends show up quarter after quarter.
Our team runs the agents inside the AI tool they already use every day.
Every figure in the note traces back to its source, so sign-off is a check, not a rebuild.
Bring greater clarity and control to your portfolio.
Management accounts
Covenant reporting
Compliance certificate
Bank statements
Monitoring model
Monthly financialsTime back
Cut time spent monitoring by 90% by automating data mapping, covenant testing and reporting, giving your team more time for credit judgement, structuring and origination.
RE: RE: August packDeeper analysis
Spot signs of deterioration earlier by comparing performance, correspondence and market conditions across periods.
More efficient reporting
Get borrower reporting without the chasing, with monthly and quarterly reporting requested, logged and followed up for you.
Enable scale
Cover more loans with the same team as your book grows, with agents handling the routine monitoring work.
Built around your fund
and the nuances of every loan.
Step 1
Understand your monitoring process
We work alongside your team to understand how monitoring runs today, where time goes and what good looks like for your fund.
Step 2
Map your data and loan requirements
We map your data sources, reporting requirements and covenants, giving the agents the context they need to monitor each borrower.
Step 3
Build and connect your agents
We configure the agents around your process and connect them to your systems, automating routine work across each monitoring cycle.
Step 4
Test against previous monitoring periods
We compare the agents’ outputs with your completed monitoring work, checking calculations and refining the analysis before going live.
Step 5
Go live with your team
We handle setup and training so your team can run monitoring, review outputs and approve results inside the AI tools you already use, including Claude, Copilot and ChatGPT.
Step 6
Track performance and improve over time
Your dashboard brings reporting status, borrower trends and portfolio risks together, with a clear audit trail. Approved feedback improves future monitoring, and new loans follow the same configured process.
Take the manual work out of each stage of monitoring.
From chasing late borrower packs to mapping company financials, agents handle the routine work end to end and document everything for your team.
Collection
Reporting collection
Chases each borrower's monthly or quarterly pack by email and portal, logs what has arrived against the reporting calendar, and lists what is late or missing before the cycle starts.
Spreading
Financial spreading
Reads the financials in whatever shape they arrive, PDF, Excel or an accounting export, and spreads them into your standard fields with every figure linked to the page it came from.
Model
Model mapping
Maps the spread figures into your Excel monitoring model line by line, recalculates every ratio, and flags any cell that moved for a reason it cannot trace.
Covenants
Covenant monitoring
Tests every covenant against the register, reports the headroom or the breach, sizes the cure where one is needed, and writes up the result for review.
Consistency
Data consistency check
Compares this period's financials with every prior period: flags prior-period figures that have been restated or quietly changed, and any new accounts, line items or categories that were not there before.
Compliance
Compliance certificate
Checks the borrower's compliance certificate against the facility agreement and your own calculation, and flags where the three disagree.
Analysis
Trend analysis
Compares this period with every period before it, across financials, covenants, correspondence and market conditions, and writes up what moved and why.
Reporting
Monitoring report
Drafts the monitoring note in your template from the spread, the covenant tests and the trend analysis, with each statement cited, and routes it for sign-off.
Visibility
Portfolio monitoring view
Every loan's monitoring cycle on one screen, what was received, what was tested, what is late and what to watch, each figure linked back to its run.
Collection
Reporting collection
Chases each borrower's monthly or quarterly pack by email and portal, logs what has arrived against the reporting calendar, and lists what is late or missing before the cycle starts.
Spreading
Financial spreading
Reads the financials in whatever shape they arrive, PDF, Excel or an accounting export, and spreads them into your standard fields with every figure linked to the page it came from.
Model
Model mapping
Maps the spread figures into your Excel monitoring model line by line, recalculates every ratio, and flags any cell that moved for a reason it cannot trace.
Covenants
Covenant monitoring
Tests every covenant against the register, reports the headroom or the breach, sizes the cure where one is needed, and writes up the result for review.
Consistency
Data consistency check
Compares this period's financials with every prior period: flags prior-period figures that have been restated or quietly changed, and any new accounts, line items or categories that were not there before.
Compliance
Compliance certificate
Checks the borrower's compliance certificate against the facility agreement and your own calculation, and flags where the three disagree.
Analysis
Trend analysis
Compares this period with every period before it, across financials, covenants, correspondence and market conditions, and writes up what moved and why.
Reporting
Monitoring report
Drafts the monitoring note in your template from the spread, the covenant tests and the trend analysis, with each statement cited, and routes it for sign-off.
Visibility
Portfolio monitoring view
Every loan's monitoring cycle on one screen, what was received, what was tested, what is late and what to watch, each figure linked back to its run.
Collection
Reporting collection
Chases each borrower's monthly or quarterly pack by email and portal, logs what has arrived against the reporting calendar, and lists what is late or missing before the cycle starts.
Spreading
Financial spreading
Reads the financials in whatever shape they arrive, PDF, Excel or an accounting export, and spreads them into your standard fields with every figure linked to the page it came from.
Model
Model mapping
Maps the spread figures into your Excel monitoring model line by line, recalculates every ratio, and flags any cell that moved for a reason it cannot trace.
Covenants
Covenant monitoring
Tests every covenant against the register, reports the headroom or the breach, sizes the cure where one is needed, and writes up the result for review.
Consistency
Data consistency check
Compares this period's financials with every prior period: flags prior-period figures that have been restated or quietly changed, and any new accounts, line items or categories that were not there before.
Compliance
Compliance certificate
Checks the borrower's compliance certificate against the facility agreement and your own calculation, and flags where the three disagree.
Analysis
Trend analysis
Compares this period with every period before it, across financials, covenants, correspondence and market conditions, and writes up what moved and why.
Reporting
Monitoring report
Drafts the monitoring note in your template from the spread, the covenant tests and the trend analysis, with each statement cited, and routes it for sign-off.
Visibility
Portfolio monitoring view
Every loan's monitoring cycle on one screen, what was received, what was tested, what is late and what to watch, each figure linked back to its run.
Delivered and run inside the AI tools you already use.
Claude
ChatGPT
Microsoft Copilot
Stay in control of every decision.
Every number, argument and conclusion traces back to its source, so your team can verify the work and stand behind the output.
Every monitoring run is written to the audit log as it happens, recording which borrower, what it read, what it tested, what it drafted and who signed it off. Your compliance team can open any cycle and read it end to end.
Every figure in the note, the model and the covenant test is tied to the page of the borrower's reporting it came from. Nothing reaches the file unchecked.
An agent's instructions, covenant definitions and approval policy are versioned, and only its owner can change them. Every run is stamped with the version it ran on, so any past cycle can be read against the rules of its day.
Approved corrections to a spread, covenant test or monitoring note are captured and applied in future cycles, so the whole team works from the updated instructions.
Each monitoring run records its sources, calculations, rule versions and approvals, giving your team a record it can inspect during compliance reviews.
Monitoring that supports all lending strategies.
Corporate and direct lending
Real estate credit
Asset-backed
Specialty finance
Agricultural lending
Non-bank financing
Infrastructure and project debt
Venture and growth debt
Revenue-based finance
SME and asset finance
Consumer lending
Structured credit
Distressed and special situations
Specialty and niche
Driven by results, proven by numbers.
Results achieved by lenders using our automated portfolio monitoring.
2 hoursPer loan, per monitoring cycle
Down from a full day, with the time going back into origination.
4×More data assessed
Per monitoring cycle, compared with the previous process.
12Loans per analyst, on average
Up from four, with each analyst now owning three times as many loans for monitoring.
1System of record
Every loan's monitoring in one place, month in, month out, so trends show over time.