Finoco AI for Private Credit
Keep the context of every deal intact, from origination to repayment.
Illustrative data
Private credit runs on context that is easy to lose
Each deal is bespoke, and the reasons behind it sit in data rooms, memos and inboxes.
- 01
Deal context gets scattered
Data room findings, committee discussions and amendments live in different folders, so the reasons behind a deal are hard to find later.
- 02
Borrower reporting is uneven
Each borrower sends management accounts and compliance certificates on its own schedule, in its own format.
- 03
Monitoring waits for quarter end
Covenant headroom and late reports are tracked in spreadsheets, so pressure is seen at the test date, not when it starts.
- 01
Ingest
Data rooms, credit agreements, management accounts and compliance certificates.
- 02
Verify
Every extracted number carries a citation to the page it came from, so an analyst can check it.
- 03
Standardise
Borrower reporting extracted into one template across the book.
- 04
Analyse
IC notes, covenant headroom, reporting flags and downside scenarios.
Across the life of the deal
From sourcing to repayment, each stage has a Finoco product that does the work.
- 01
Sourcing
Build a first view of the company from registry data and public sources.
- 02
Diligence
Ingest the data room, review the credit agreement and list the gaps to request.
- 03
Investment committee
Run downside scenarios and fill your IC note template from the deal room.
- 04
Monitoring
Track borrower reporting and covenant headroom on every position.
- 05
Repayment
Keep the deal’s context intact through amendments, refinancing and repayment.
- 06
Governance
Every user action is recorded in an audit trail, and access to each fund and deal is set by role.
What private credit teams do with Finoco
Data room to deal workspace
Ingest the data room into an indexed deal workspace and get the list of gaps to request from the borrower.
ProjectsIC notes
Fill your own IC note template from the deal room, with every figure cited to its page.
ProjectsCredit agreement review
Pull covenants, undertakings and deadlines out of the credit agreement before you sign.
AgentsBorrower reporting
See which reports are received, late or due in the next 30 days, for every borrower.
PortfolioCovenant headroom
Test covenants on each new set of numbers and see headroom move between test dates.
PortfolioDownside scenarios
Run downside scenarios on the borrower’s projections before the deal goes to committee.
Simulations
Know which borrower reporting is in, late or due
Finoco matches each report a borrower sends to the obligation in the loan documents, flags what is late, and drafts the request. Nothing goes out until someone on your team presses Send.
- Reports matched to the obligations in the loan documents
- Late and due-in-30-days items flagged
- Requests drafted, sent only after review
Illustrative data
Built for the teams that run private credit
Fund managers, lenders and the institutions that allocate to them use the same deal record.
Governed, private deployment
Finoco runs in your existing cloud environment, processes data in your region, never trains on it, and records every action.