Evidence-Backed Covenant Intelligence

We don't just store dates. We store the legal rule behind the date, the math that produced it, and the history that modified it.

📄 Smart Document Scanning

📄

BEFORE

  • ☐ Messy PDF scans
  • ☐ Coffee stains
  • ☐ Skewed text
  • ☐ 200+ pages
  • ☐ Manual review: 40 hours

AFTER

  • ✓ Leverage Ratio
  • ✓ Interest Coverage
  • ✓ Net Worth
  • ✓ Cure Rights
  • ✓ 18 covenants found
⚡ 30 seconds

Upload any PDF — even messy scans. AI extracts everything automatically.

✅ Covenant Review & Approval

EXTRACTED COVENANTS

  • Leverage Ratio ≤ 4.0x
  • Interest Coverage ≥ 2.5x
  • Min Net Worth $10M

ORIGINAL TEXT

"...Borrower shall not permit Total Debt to EBITDA to exceed 4.00 to 1.00 at any time during the term of this Agreement..."

Section 7.1, Page 142, Lines 15-18

Verify AI extraction against original source. One-click approval with full audit trail.

📅 Compliance Calendar

MARCH 2026

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⚠️ March 15

Leverage Ratio test due in 7 days

🔴 March 30

Q1 Financials due TODAY

Email alerts before every testing date. Filter by covenant type. Never miss a deadline.

📊 Automated Calculation Engine

YOUR FINANCIALS

EBITDA

$10,000,000

Total Debt

$35,000,000

COVENANT STATUS

Leverage: 3.5x 🟢
Threshold: ≤ 4.0x ✓ COMPLIANT

🟡 Warning: Approaching threshold (87.5% utilized)

Upload financials. Get instant breach detection across all covenants.

🛡️ Breach Defender

Your killer feature — when breach happens, your defense is ready

🔴 BREACH DETECTED

Your Defense Arsenal

📄

Waiver Letter

Professional request with legal language and supporting documentation

📝

Amendment

Proposed covenant modifications with redline comparisons

💰

Cure Right

Equity injection calculation with three cure scenarios

📋 Professional documents ready in seconds

🧠 2,400+ Terminology Mapped

Your secret weapon — we speak every lender's language

YOUR AGREEMENT SAYS:

  • "Funded Debt"
  • "Senior Leverage"
  • "Net Debt / EBITDA"
  • "Gearing Ratio"
  • "Total Indebtedness"

WE UNDERSTAND:

Leverage Ratio

Standard terminology mapped

2,400+

Terms mapped

26

Leverage variations

99%

Loan language coverage

Every term. Every variation. Already mapped. We catch the hidden traps.

📋 Complete Audit Trail

COVENANT: Leverage Ratio ≤ 4.0x

📄

Mar 15, 2026

Extracted from LMA Credit Agreement

Mar 16, 2026

Approved by J. Smith (Compliance Officer)

📊

Mar 31, 2026

Tested: 3.8x ✓ COMPLIANT

⚠️

Jun 30, 2026

Tested: 4.2x 🔴 BREACH DETECTED

📄

Jul 5, 2026

Waiver Request Generated & Sent

Jul 12, 2026

Waiver Approved by Lender ✓

Every action documented. Audit-ready always. Complete history for regulators.

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