Know What Your Borrowers Are Doing Before the Report Lands
AI borrower intelligence for private credit is a continuous read on every borrower in the book: financials, news, filings, sector signals, and early-warning indicators pulled into one view for the credit team. This is an example of custom work we have built, scoped per firm, not a product with a price tag.
AI borrower intelligence for private credit gives the credit team a continuous read on every name in the book, so trouble shows up as it happens, not when the quarterly package finally lands. By the time a compliance certificate arrives, the deterioration it describes is often a quarter old.
The signals were always out there: a key customer leaving, a lawsuit filed, a CFO walking, a sector turning. The work nobody has time for is watching all of it across every borrower, every day. That is the work this does.
By Dr. Leigh Coney, Founder of WorkWise Solutions
The Whole Borrower, Not Just the Package
Reporting tells you where a borrower was at quarter-end. Everything else tells you where it is heading now. This pulls both into one place and flags what changed.
The exact sources are scoped to your book and what you can access. A typical build watches the categories on the right.
- ✓Borrower financials and reporting: trends, headroom, and the line items that move first
- ✓News and litigation: customer losses, lawsuits, layoffs, plant closures, leadership changes
- ✓Regulatory and public filings: anything on the record that signals stress or a shift
- ✓Sector and macro signals: when the borrower's whole market starts to turn
- ✓Early-warning indicators: shrinking covenant headroom, late reporting, management turnover, customer concentration shifts
- ✓One view per borrower, plus a watchlist that updates itself and context ready for the next committee
From Sources to Signal
Wire the Sources
Borrower reporting, news and filings feeds, and sector data connected for the names that matter first.
Watch Continuously
The AI reads everything as it arrives and tracks each borrower against its own baseline.
Surface What Changed
Material changes become alerts, and a self-updating watchlist ranks the book by where the risk is moving.
Ready for Committee
Each borrower's view is a short, sourced brief, so the next credit committee starts from facts, not scramble.
This is one system we built for a private credit team, on their borrowers and their data. It is not sold off the shelf, and there is no license to buy. We are showing it as an example of what a custom build looks like in private credit.
Yours would be scoped to your book: your borrowers, your sources, your early-warning rules. See how we build in the Build galleries, or talk it through on a call.
This Fits When...
Your book has grown past the point where one analyst can keep every borrower in their head.
You have been surprised by a borrower whose trouble was visible in the news weeks before the reporting.
Surveillance today means an analyst skimming headlines between deals, so things slip.
The credit committee wants a current, sourced read on every name, not a stale memo.
You already track covenants and want the earlier signal that sits outside the agreement.
An LP or auditor is asking how you monitor the book, and "we read the reports" is no longer enough.
Borrower Intelligence FAQ
What signals does it watch?
Whatever moves credit risk and can be sourced: borrower financials and reporting, news and litigation, regulatory and public filings, sector and macro signals, and early-warning indicators like shrinking covenant headroom, late reporting, management turnover, or customer concentration shifts. The exact set is scoped to your book.
How is it different from covenant tracking?
Covenant tracking watches the terms in the credit agreement and flags a breach. Borrower intelligence watches the borrower itself, most of which sits outside the covenant package and shows up earlier. The two work together: intelligence tells you a borrower is sliding; covenant tracking tells you when a specific line is crossed.
Is it off the shelf?
No. This is an example of custom work, built for one credit team on their borrowers and their data. There is no license to buy. When we build it for you, it is scoped to your book and you own it. See the Build galleries for how that works.
How fast can it stand up?
A focused first version covering your priority borrowers can stand up in a few weeks once the data sources are connected, then expand across the book. Because it is scoped per firm, the timeline depends on how many sources and borrowers are in the first cut, which we size on a call.
See What This Would Look Like on Your Book
Scoped per firm, because no two credit books are the same. Book a call to map your borrowers and the signals worth watching first, or see how we build.
For the Credit Team
Covenant Tracking
The terms in the agreement watched against the latest reporting, with breaches flagged before the quarter closes.
Portfolio Risk Monitoring
Position-level risk across the loan book, refreshed automatically, with deterioration patterns surfaced early.
Credit-Memo Automation
First-draft credit memos built from the data room and financials, structured the way your committee reads them.