CovenantIQ continuously monitors portfolio company financials, automatically detecting covenant violations and triggering re-advancing decisions — replacing manual monthly review cycles.
Trusted by private credit firms and SBA lenders managing founder-led portfolios.
CovenantIQ covers the full covenant lifecycle — from daily monitoring through breach detection, re-advancing decisions, and investor reporting.
AI agents ingest financial filings, bank statements, and operational data daily — flagging approaching thresholds before a breach occurs, not after.
When a covenant metric approaches a trigger threshold, the system initiates the re-advancing decision workflow — with audit trails, not just alerts.
Generate board-ready risk reports, portfolio dashboards, and stress test scenarios on demand — multi-stakeholder export in minutes, not days.
Models run in your own environment — borrower financial data never leaves your infrastructure, meeting confidential lending requirements out of the box.
Run scenario models across your entire portfolio — interest rate shocks, supply chain disruptions, demand pullbacks — to anticipate risk concentrations.
SBA lending requirements, K-1 processing, payment tracking — automated workflows handle the full direct lending lifecycle, not just monitoring.
What we solve for you
Integrate financial feeds, bank statements, ERP systems, and operational data streams. The platform normalizes disparate formats into a unified data layer — no manual extraction required.
CSV import · API connectors · ERP integrations
Configure your loan covenants once — leverage ratios, debt service coverage, working capital minimums. The system maps them to your portfolio companies automatically.
Custom covenants · Industry benchmarks · Auto-mapping
Every day, the system ingests new data and evaluates each covenant against every active loan. Approaching thresholds trigger early warnings, not post-breach alerts.
Daily ingestion · Threshold tracking · Early warning
When a threshold is approached or breached, the system initiates the appropriate workflow — re-advancing review, lender notification, investor update — with a full audit trail.
Automated routing · Decision logs · Compliance records
Ready to see it in your portfolio? Request a tailored demo
Private credit runs on trust. CovenantIQ is built around the principle that borrower confidentiality is non-negotiable — not a feature request. Private model deployment ensures your borrowers' financial data never leaves your control.
In progress — Q4 2026 target
Get a personalized demo for your portfolio composition. We'll show CovenantIQ on your data mix — distribution, logistics, manufacturing, B2B services — in 30 minutes.
No commitment required. Most demos are scheduled within 48 hours.