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Why We Created CovenantIQ

Every business needs capital to grow and thrive, and companies rely on two primary funding sources: debt and equity. While both are essential to business financing, each comes with distinct benefits and costs.

Two Miles in the Dark and Why the Explosion in Private-Credit Lending Demands Better Gear

Last weekend I went with my son’s Scout troop for a backpacking trip that includes a bike ride on an old rail-trail that plunges into a two-mile, unlit tunnel that is long enough for total darkness to swallow you before the pin-prick of daylight ahead appears.

Revolutionizing Loan Monitoring with AI: How CovenantIQ Transforms Cash Flow-Based Lending

In today’s fast‑moving financial landscape, manual loan monitoring can feel like running up a down escalator. Lenders must confirm covenant compliance with speed and precision, while borrowers expect a transparent, collaborative partnership with their capital providers.

Financial Spreading Doesn’t Cut It: Banks Must Adapt to Scale Middle Market Lending

Banks are eager to expand into cash flow-based lending, competing with non-bank lenders to serve the middle market. But a major roadblock stands in the way: the high cost and complexity of monitoring borrower performance.