The Platform

COVENANT
INTELLIGENCE
SYSTEM

Six modules that transform a static PDF contract into a live, predictive monitoring engine.

01 / 06

Obligation Extraction

Know exactly what you owe.

AI reads every clause in your loan agreements, vendor SLAs, and partnership deeds. Each obligation is classified, confidence-scored, and surfaced for review — no manual parsing.

Payment schedule detection
Covenant identification
Confidence scoring
Human-in-loop flagging
Obligation Extraction
Payment schedule detectionActive
Covenant identificationActive
Confidence scoringActive
Human-in-loop flaggingActive

02 / 06

Risk Prediction

Catch breaches before they happen.

Our model assigns a 0–100 breach risk score to every covenant based on your current financials. Scores update daily as your data changes.

0–100 risk score
Daily recalculation
Trend detection
Multi-covenant view
Risk Prediction
0–100 risk scoreActive
Daily recalculationActive
Trend detectionActive
Multi-covenant viewActive

03 / 06

Explainability — WHY

Understand the reason, not just the score.

Every risk score comes with a plain-language explanation of why it's elevated — which metric is drifting, which clause it violates, and what the margin looks like.

Root-cause analysis
Clause-to-metric mapping
Margin tracking
Plain English output
Explainability — WHY
Root-cause analysisActive
Clause-to-metric mappingActive
Margin trackingActive
Plain English outputActive

04 / 06

Time-to-Breach — WHEN

Not just risk. A timeline.

The system projects breach timelines using trend extrapolation. You see not just IF you'll breach a covenant, but WHEN — down to a specific week.

36–52 day projections
Trend extrapolation
Calendar view
Alert triggers
Time-to-Breach — WHEN
36–52 day projectionsActive
Trend extrapolationActive
Calendar viewActive
Alert triggersActive

05 / 06

Scenario Simulator — WHAT IF

Test stress before stress tests you.

Run scenarios: revenue drops 20%, interest rate jumps 2%, you delay a supplier payment. See the ripple across every covenant instantly.

Revenue / cost sliders
Instant recalculation
Multi-contract impact
Export scenarios
Scenario Simulator — WHAT IF
Revenue / cost slidersActive
Instant recalculationActive
Multi-contract impactActive
Export scenariosActive

06 / 06

Portfolio Risk View — WHO

Total exposure, at a glance.

For NBFCs and lenders: see breach risk across your entire borrower portfolio. Rank by risk, filter by sector, monitor in real time.

Borrower risk ranking
Sector filters
Aggregate exposure
Lender dashboard
Portfolio Risk View — WHO
Borrower risk rankingActive
Sector filtersActive
Aggregate exposureActive
Lender dashboardActive

READY TO SEE IT
IN ACTION?

Launch Demo →