Finoco AI for Wholesale Lending
Appraisal to repayment for corporate and wholesale facilities.
Illustrative data
Wholesale credit still runs on review dates
Facilities are appraised from document packs and monitored from spreadsheets, so pressure shows up late.
- 01
Appraisal starts from a pile of files
Audited accounts, stock statements, projections and information packs arrive as PDFs and spreadsheets in every format.
- 02
Covenants are tested by hand
DSCR, leverage and other tests are worked out in spreadsheets kept by one analyst, often only when the review comes round.
- 03
Warning signs sit outside the file
New borrowing, a dividend, an asset sale or a change of auditor can surface in the borrower’s own documents long before the next review.
- 01
Ingest
Audited and interim accounts, stock statements, sanction terms and facility 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, certificate checks and early-warning signals.
Across the life of a facility
From the first look at a borrower to the final 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 information pack, spread the financials and draft the credit note in your own template.
- 03
Sanction
Test the borrower’s projections against downside scenarios before the sanctioning committee.
- 04
Monitoring
Test covenants on each new set of numbers and watch for early-warning signs between reviews.
- 05
Repayment
Keep the full record of the facility, from sanction terms 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 lending teams do with Finoco
Financial spreading
Spread audited and interim financials into a standard template, with every line cited to its page.
AgentsCredit agreement review
Pull covenants, undertakings and deadlines out of the facility agreement and sanction terms.
AgentsCovenant tests
Test DSCR, leverage and other covenants on each borrower’s latest numbers, with headroom and status.
PortfolioCompliance certificate checks
Compare each compliance certificate with Finoco’s own calculation, figure by figure.
PortfolioEarly-warning signals
Scan borrower files for new borrowing, dividends, asset sales or a change of auditor.
PortfolioStock statements
Extract stock statements and drawing power figures from borrower submissions as they arrive.
Portfolio
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
Built for the teams that lend to companies
Corporate banking, NBFC and private debt teams use the same appraisal and monitoring.
Governed, private deployment
Finoco runs in your existing cloud environment, processes data in your region, never trains on it, and records every action.