Finoco AI for NBFCs
Underwrite and monitor wholesale and structured lending with full context.
Refresh covenant compliance across the Q3 wholesale lending book
Illustrative data
Wholesale and structured books need closer watching
Each borrower needs appraisal, monitoring and a record that stands up to review.
- 01
Appraisal starts from scattered files
Financials, stock statements and projections arrive in every format, from every borrower.
- 02
Covenants are tracked by hand
Covenants, security cover and conditions are tracked in spreadsheets across teams.
- 03
Signals are spread out
Legal cases, new borrowing and auditor changes surface in different places and reach credit late.
- 01
Ingest
Financial statements, stock statements, sanction terms and loan agreements.
- 02
Verify
Every extracted number carries a citation to the page it came from, so an analyst can check it.
- 03
Standardise
Financials spread into a standard template, borrower by borrower.
- 04
Analyse
Credit notes, covenant tests, early-warning signals and scenarios.
Across the life of a loan
From origination to repayment, each stage has a Finoco product that does the work.
- 01
Origination
Build a first view of the borrower from company registry data and public sources.
- 02
Appraisal
Ingest the borrower’s files, spread the financials and draft the credit note in your template.
- 03
Sanction
Test projections against downside scenarios before the credit committee.
- 04
Monitoring
Test covenants on each new set of numbers and watch for early-warning signs.
- 05
Repayment
Keep the full record of the loan through to the final repayment.
- 06
Governance
Every user action is recorded in an audit trail, and access to each fund and deal is set by role.
What NBFC credit teams do with Finoco
Borrower research
Form a view on the borrower from company registry data and public sources.
Credit ResearchFinancial spreading
Spread audited and interim financials into a standard template, with every line cited.
AgentsCovenant tests
Test DSCR, leverage and other covenants on each borrower’s latest numbers.
PortfolioStock statements
Extract stock statements and drawing power figures from borrower submissions.
PortfolioEarly-warning signals
Scan borrower files for new borrowing, dividends, asset sales or a change of auditor.
PortfolioLegal case tracking
Track legal cases that involve each borrower with a dedicated agent.
Agents
Covenant headroom on every borrower, between reviews
Finoco tests each covenant on the borrower’s latest numbers, checks the compliance certificate against its own calculation, and flags borrowers that are near a limit.
- DSCR, leverage and other tests on the latest numbers
- Certificates checked against Finoco’s own calculation
- Every figure cited to its source page
Illustrative data
Asset classes NBFCs work in with Finoco
Wholesale, structured and project lending on one platform.
Governed, private deployment
Finoco runs in your existing cloud environment, processes data in your region, never trains on it, and records every action.