Middle-market Borrowers

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Private Equity firms specializing in the lower middle market excel at driving top-line growth, profitability, and long-term value creation through operational and industry expertise. A critical part of this strategy involves working with banks and private credit lenders to secure customized financing solutions—such as unitranche, mezzanine, and cash-flow-based loans—that fuel expansion, efficiency, and strategic acquisitions.

However, managing covenant compliance and lender reporting can divert valuable time and resources away from value creation. With CovenantIQ, Private Equity firms can shift their focus from administrative burdens to what truly matters—operational excellence, revenue growth, and maximizing investor returns.

Solutions for Middle-market Borrowers

Move Beyond Spreading Financial Information

CIQ’s API-first approach gathers, standardizes, and analyzes detailed borrower data, eliminating manual reconciliation, reducing reporting delays, and making it faster and easier for banks to monitor borrower risk across their entire portfolio.

Automate Covenant Monitoring - Even for the Most Complex Credit Agreements.

CIQ maps granular borrower data directly to loan covenant definitions in the credit agreement, allowing banks to effortlessly monitor covenant compliance and proactively manage default risk.

Foster Stronger Lender-Borrower Relationships

Transform covenant enforcement from a reactive, one-sided process into a transparent, collaborative dialogue, helping borrowers stay ahead of financial risks while aligning on long-term business success.

Expand Lending Capacity through Partnerships with Other Financial Institutions

CIQ’s centralized financial data hub makes it easy to collaborate with other financial institutions, whether through loan syndications, participations, or strategic partnerships, ensuring your borrowers have the capital they need to grow.