UC-059
Covenant Tracker, Servicing & Spreading
Reads loan agreements, financials and servicing records to monitor covenants continuously and flag breaches with evidence as they occur.
18-26Build Duration
2-13xIndicative ROI
The Challenge
Covenant tracking, loan servicing and spreading are manual, periodic and error-prone, so breaches and servicing gaps surface late. Each review is a fresh pass through the same documents.
How It Works
- Ingests loan agreements, financial statements and servicing records.
- Monitors covenants continuously and flags breaches with supporting evidence.
- Spreads financials into standard templates for credit review automatically.
What It Removes
- Covenant checks that happen only at review dates
- Breaches found after they have run for months
- Spreading re-keyed by hand for every review
Input Data RequirementsLoan agreements, financial statements, servicing records, credit-review spreading templates
Output FormatContinuous covenant monitoring, evidence-backed breach flags, spread financial templates, audit-ready trail
“A covenant breach reaches us when it happens, not at the next quarterly review.”