WORKING CAPITAL AI
See borrower trouble 90 days out, not 9 — continuous early warning across your whole book.
Lender Portfolio Monitoring
Monitor 10-50 borrowers with cash health dashboards, early warning alerts, and credit risk scoring. Catch problems before they become defaults.
- Portfolio dashboard + alerts + monthly reports + quarterly reviews; pricing scales with borrower count
- borrowers in the standard package
- 10–50borrowers in the standard packageenterprise packages available for larger portfolios
- of notice on emerging covenant issues
- 90 daysof notice on emerging covenant issuesa borrower you can work with — instead of a 9-day problem
- borrower cash visibility
- Real-timeborrower cash visibilityinstead of quarterly financial snapshots
How it works — and what you walk away with
Lenders face an information problem: borrowers provide financials quarterly (at best), and by the time you see trouble, it's often too late. The best loan officers develop intuition for which borrowers need attention - but intuition doesn't scale.
Our Lender Portfolio Monitoring service provides continuous visibility into borrower cash health. We connect to borrower financial systems (with their permission), monitor key health metrics in real-time, and alert you when patterns suggest emerging problems.
Early warning is the key. A borrower trending toward covenant violation with 90 days notice can be worked with. The same borrower with 9 days notice is a problem. We help you see problems early enough to have options.
The process
Borrower Connection
Read-only access to borrower accounting systems via loan agreement or monitoring covenant; monthly uploads for those who can't grant access.
Continuous Monitoring
OngoingReal-time cash health tracking, covenant projection, and proprietary credit risk scoring on a consistent scale.
Alerts and Reporting
MonthlyConfigurable alerts on warning signs — declining runway, AR deterioration, burn acceleration — plus monthly risk-ranked reports.
Quarterly Portfolio Reviews
Quarterly60-minute calls on portfolio trends, emerging risks, and recommended actions.
What you get
Portfolio Dashboard
Web-based dashboard showing aggregate portfolio health and individual borrower status
Alert System
Configurable alerts via email when borrowers breach thresholds or show warning signs
Monthly Reports
Portfolio health summary with risk-ranked borrower list and recommended actions
Quarterly Reviews
60-minute quarterly call to discuss portfolio trends and emerging risks
What's included
Continuous Cash Monitoring
Real-time visibility into borrower cash positions, not just quarterly snapshots
Early Warning Alerts
Automatic alerts when borrowers show signs of cash stress: declining runway, AR deterioration, burn acceleration
Covenant Tracking
Monitor covenant metrics and project forward to identify potential violations before they happen
Credit Risk Scoring
Proprietary scoring model that quantifies borrower cash health on a consistent scale
Portfolio Dashboards
Aggregate view of portfolio health with drill-down to individual borrowers
Quarterly Reviews
Quarterly portfolio review calls to discuss trends, risks, and recommended actions
Who this is for
Community Banks
Regional banks with commercial loan portfolios who need scalable monitoring
Alternative Lenders
Asset-based lenders, factoring companies, and specialty finance firms
Credit Funds
Private credit funds monitoring portfolio company health
Subscription
Scoped to your situation
- Format
- Portfolio dashboard + alerts + monthly reports + quarterly reviews; pricing scales with borrower count
Frequently asked questions
Related topics
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Deep-dive analysis of your cash conversion cycle with a prioritized roadmap to free trapped cash. Typical results: 15-30 days CCC improvement.
See borrower trouble 90 days out, not 9 — continuous early warning across your whole book.
Tell us about your situation and we'll come back with a concrete next step within 24 hours.