Scale Middle-Market Lending with Intelligent Covenant Analysis
We take the heavy lifting out of monitoring cash flow-based loans so banks and private credit funds can focus on risk mitigation and portfolio growth.
It's Time to Modernize Middle-Market Lending
Manually consolidating borrower data and calculating bespoke covenant metrics isn’t just tedious—it’s a roadblock to growth. Every day, your credit teams wrestle with multiple data sources and error-prone spreadsheets to track covenant compliance, putting your portfolio at risk and slowing down loan origination.
Financial Performance, Covenant Compliance, and Key Metrics in One Place
Move Beyond Data Collection
Leverage CovenantIQ's standardized financial data platform to manage unique borrower risk across your entire portfolio. While other lendtech solutions merely collect or “spread” financial data, CovenantIQ connects to borrowers’ financial systems of record, normalizes data, and automates analytics and reporting.
Reduce Risk
Effortlessly monitor compliance and default risk. CovenantIQ maps granular borrower data directly to loan covenant definitions in the credit agreement. Emerging areas of concern are flagged—ensuring you can have proactive conversations before loans slip out of compliance.
No More Surprises – for You or Your Borrowers
CovenantIQ provides a preview of covenant compliance to your borrower, flagging any issues for review. Borrowers can resolve concerns or formally submit their financial reports, instantly updating a shared dashboard for a single source of truth.
Slash Servicing Costs by 75%
Automate tedious tasks and free your credit analysts for strategic decision-making—enabling you to manage larger portfolios, originate more loans, and forge deeper relationships with key stakeholders.
Built with AI
Our AI-powered platform doesn't just eliminate manual data entry—it proactively identifies emerging trends and potential risks across your loan portfolio. By normalizing and analyzing borrower financial data, CovenantIQ surfaces actionable insights that would take analysts hours to uncover manually. CovenantIQ’s AI engine continuously learns from your portfolio's data patterns, delivering increasingly sophisticated insights that help predict potential challenges and opportunities. CovenantIQ provides the intelligence you need to make informed decisions swiftly.
