About
The Problem
Every financial contract has obligations. Minimum cash balances. Revenue thresholds. Debt ratios. Interest payment dates. These covenants are in the fine print of every loan, every vendor agreement, every partnership deed.
And yet, financial teams track them in spreadsheets. Or they don't track them at all. The breach notice arrives 90 days after the problem started. By then, it's expensive — penalties, renegotiations, loss of lender trust.
In India alone, 63 million MSMEs have active credit lines. Default rates are rising. The infrastructure for covenant monitoring simply didn't exist at this scale — until now.
Why Now
01
Modern language models can extract structured obligations from unstructured legal text with high accuracy. Two years ago, this wasn't reliable. Today, it is.
02
India's NBFC sector is growing 18% YoY. Startups are raising venture debt. The number of financial contracts being signed is growing faster than the teams managing them.
03
RBI is tightening early warning system requirements for lenders. Covenant monitoring is moving from good practice to regulatory expectation.
Our Vision
"A WORLD WHERE NO COVENANT IS EVER MISSED — WHERE FINANCIAL AGREEMENTS ARE LIVING DOCUMENTS, NOT FORGOTTEN PAPER."
We're building the operating system for financial obligations — starting with covenant monitoring and expanding to the full contract lifecycle.
Principles
Every AI extraction is confidence-scored. Uncertain outputs are flagged for human review, not silently passed through.
Risk scores without explanations are useless to a CFO. Every output has a plain-English "why" attached.
We're not porting a Western fintech product. We're building for Indian contracts, Indian lenders, and Indian regulatory context from day one.
You're managing financial risk. You need information density without cognitive overload. We obsess over information hierarchy.