Private Credit Funds

Bring Private Credit to Main Street

Private credit has traditionally focused on businesses backed by private equity firms, leveraging their due diligence, financial oversight, and equity cushion to manage risk. However, the vast majority of lower middle-market companies are family-owned and founder-led—often overlooked by traditional private credit lenders.

With CIQ, private credit funds can extend the transformational benefits of private credit directly to non-sponsored businesses seeking debt capital for acquisitions, growth initiatives, or generational transitions. CIQ delivers a highly efficient, scalable solution for lower middle-market direct lending—empowering lenders to serve a broader market with confidence and precision.

Solutions for Private Credit Funds

Move Beyond Data Collection and Supercharge Credit Operations

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 private credit teams to monitor borrower risk across their entire portfolio. With CIQ, your team can easily monitor a higher volume of credits without additional headcount or sacrificing oversight as you grow your portfolio of loans.

Structure Complex Credit Agreements–Automate Covenant Compliance

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

Build Stronger Relationship with Borrowers and Foster Their Success

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.

Increase Dealflow and Expand Market Coverage through Partnerships

CIQ’s centralized financial data hub simplifies collaboration between financial institutions—whether through loan syndications, participations, or strategic partnerships. With CIQ, private credit funds can seamlessly partner with community banks to provide cash-flow-based loans to non-sponsored middle-market companies that traditional private credit often overlooks. This enables community banks to offer financing beyond their typical loan packages while giving private credit funds access to a broader range of high-quality lending opportunities.