AI Loan & Credit Agreement Analysis
AI Loan & Credit Agreement Analysis
Automate covenant tracking and risk monitoring
Automate covenant tracking and risk monitoring
V7 Go's agent automates the review of complex loan and credit agreements extracting key terms monitoring financial covenants and flagging potential defaults before they occur.
What is it
What is it
Debt & Credit Monitoring
A loan agreement is a legally binding contract that details the terms of a loan between a lender and a borrower including payment schedules covenants and events of default.
How is it solved today?
Portfolio managers and analysts manually track covenants in spreadsheets a process that is highly error-prone and fails to provide an early warning of potential defaults.
How is it solved today?
Portfolio managers and analysts manually track covenants in spreadsheets a process that is highly error-prone and fails to provide an early warning of potential defaults.
How is it solved today?
Portfolio managers and analysts manually track covenants in spreadsheets a process that is highly error-prone and fails to provide an early warning of potential defaults.
Why V7 Go
V7 Go automatically extracts all covenants obligations and key terms from every agreement creating a centralized intelligent system for monitoring portfolio health and compliance.
Why V7 Go
V7 Go automatically extracts all covenants obligations and key terms from every agreement creating a centralized intelligent system for monitoring portfolio health and compliance.
Why V7 Go
V7 Go automatically extracts all covenants obligations and key terms from every agreement creating a centralized intelligent system for monitoring portfolio health and compliance.
Time comparison
Time comparison
Time comparison
Traditional way
3-5 days per agreement
3-5 days per agreement
With V7 Go agents
15-20 minutes
15-20 minutes
Average time saved
95%
95%
Why V7 Go
Review credit agreements, term loans, and security agreements.
Extract financial covenants, reporting deadlines, and default terms.
Workflow
Workflow
Import your files
nCino
,
Abrigo
,
Moody's Analytics
Loan Agreements
Loan Agreements
Loan Agreements
Syndicated Credit Facilities
Syndicated Credit Facilities
Syndicated Credit Facilities
Promissory Notes
Promissory Notes
Promissory Notes
Security Agreements
Security Agreements
Security Agreements
Intercreditor Agreements
Intercreditor Agreements
Intercreditor Agreements
Covenant Compliance Certificates
Covenant Compliance Certificates
Covenant Compliance Certificates
Borrower & Lender Information
Borrower & Lender Information
Borrower & Lender Information
Interest Rates & Payment Schedules
Interest Rates & Payment Schedules
Interest Rates & Payment Schedules
Financial Covenants (Leverage Liquidity)
Financial Covenants (Leverage Liquidity)
Financial Covenants (Leverage Liquidity)
Reporting Covenants & Deadlines
Reporting Covenants & Deadlines
Reporting Covenants & Deadlines
Negative Covenants & Permitted Actions
Negative Covenants & Permitted Actions
Negative Covenants & Permitted Actions
Events of Default & Cure Periods
Events of Default & Cure Periods
Events of Default & Cure Periods
Collateral Descriptions
Collateral Descriptions
Collateral Descriptions
Guarantor Information
Guarantor Information
Guarantor Information
Maturity Date & Prepayment Options
Maturity Date & Prepayment Options
Maturity Date & Prepayment Options
Fees & Expenses
Fees & Expenses
Fees & Expenses
Why V7 Go
Why V7 Go
Automated Covenant Extraction
Accurately identify and extract all financial operational and reporting covenants from any credit agreement or loan document regardless of its complexity.
Automated Covenant Extraction
Accurately identify and extract all financial operational and reporting covenants from any credit agreement or loan document regardless of its complexity.
Automated Covenant Extraction
Accurately identify and extract all financial operational and reporting covenants from any credit agreement or loan document regardless of its complexity.
Proactive Compliance Monitoring
The agent automatically tracks reporting deadlines and can integrate with financial systems to monitor financial covenant compliance in real-time.
Proactive Compliance Monitoring
The agent automatically tracks reporting deadlines and can integrate with financial systems to monitor financial covenant compliance in real-time.
Proactive Compliance Monitoring
The agent automatically tracks reporting deadlines and can integrate with financial systems to monitor financial covenant compliance in real-time.
Risk & Default Flagging
Get early warnings of potential covenant breaches or technical defaults. The agent flags risky language missed reporting or deteriorating financial metrics before they become critical issues.
Risk & Default Flagging
Get early warnings of potential covenant breaches or technical defaults. The agent flags risky language missed reporting or deteriorating financial metrics before they become critical issues.
Risk & Default Flagging
Get early warnings of potential covenant breaches or technical defaults. The agent flags risky language missed reporting or deteriorating financial metrics before they become critical issues.
Reduced Manual Review Time
Create a consistent structured database of key terms from your entire loan portfolio. This enables powerful portfolio-wide analysis of risk exposure and pricing.
Reduced Manual Review Time
Create a consistent structured database of key terms from your entire loan portfolio. This enables powerful portfolio-wide analysis of risk exposure and pricing.
Reduced Manual Review Time
Create a consistent structured database of key terms from your entire loan portfolio. This enables powerful portfolio-wide analysis of risk exposure and pricing.
Reduced Manual Review Time
Eliminate the need for analysts to manually read hundreds of pages of legal text to find and track covenants. Reduce review time by over 90%.
Reduced Manual Review Time
Eliminate the need for analysts to manually read hundreds of pages of legal text to find and track covenants. Reduce review time by over 90%.
Reduced Manual Review Time
Eliminate the need for analysts to manually read hundreds of pages of legal text to find and track covenants. Reduce review time by over 90%.
Audit-Ready Reporting
Generate comprehensive reports on covenant compliance across your entire portfolio complete with direct links to the source clauses in each agreement.
Audit-Ready Reporting
Generate comprehensive reports on covenant compliance across your entire portfolio complete with direct links to the source clauses in each agreement.
Audit-Ready Reporting
Generate comprehensive reports on covenant compliance across your entire portfolio complete with direct links to the source clauses in each agreement.
V7 Go
V7 Go
V7 Go
AI-powered portfolio management
AI-powered portfolio management
for lenders and investors
Monitoring compliance across a portfolio of loan and credit agreements is a high-risk manual process. Teams struggle to track financial covenants and reporting obligations buried in dense legal documents often leading to missed breaches and increased portfolio risk. V7 Go automates this entire workflow turning static agreements into a proactive risk management system.
Portfolio Managers
Get a real-time comprehensive view of covenant compliance across your entire loan portfolio. Spend time managing risk not searching for it.
Portfolio Managers
Get a real-time comprehensive view of covenant compliance across your entire loan portfolio. Spend time managing risk not searching for it.
Portfolio Managers
Get a real-time comprehensive view of covenant compliance across your entire loan portfolio. Spend time managing risk not searching for it.
Credit Risk Officers
Move from reactive manual testing to proactive automated monitoring. Identify and address potential defaults and credit deterioration earlier than ever before.
Credit Risk Officers
Move from reactive manual testing to proactive automated monitoring. Identify and address potential defaults and credit deterioration earlier than ever before.
Credit Risk Officers
Move from reactive manual testing to proactive automated monitoring. Identify and address potential defaults and credit deterioration earlier than ever before.
Delegate loan agreement analysis
Delegate loan agreement analysis
to a credit risk AI agent
to a credit risk AI agent
Automated Covenant Extraction
Accurately identify and extract all financial operational and reporting covenants from any credit agreement.
Proactive Compliance Monitoring
Automatically track reporting deadlines and integrate with financial systems to monitor covenant compliance in real-time.
More agents
Next steps
Stop tracking covenants in spreadsheets.
Let's talk
You’ll hear back in less than 24 hours
Next steps
Stop tracking covenants in spreadsheets.
Let's talk
Next steps
Stop tracking covenants in spreadsheets.
Let's talk
You’ll hear back in less than 24 hours
FAQ
FAQ
FAQ
Have questions?
Find answers.
What types of agreements can the agent analyze?
The agent is designed for all types of debt instruments including syndicated credit agreements revolving credit facilities term loans and private debt agreements.
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What types of agreements can the agent analyze?
The agent is designed for all types of debt instruments including syndicated credit agreements revolving credit facilities term loans and private debt agreements.
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What types of agreements can the agent analyze?
The agent is designed for all types of debt instruments including syndicated credit agreements revolving credit facilities term loans and private debt agreements.
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How does the agent monitor financial covenants?
The agent first extracts the covenant definition. It can then integrate via API with your accounting or financial systems to automatically pull the relevant metrics each quarter to test for compliance.
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How does the agent monitor financial covenants?
The agent first extracts the covenant definition. It can then integrate via API with your accounting or financial systems to automatically pull the relevant metrics each quarter to test for compliance.
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How does the agent monitor financial covenants?
The agent first extracts the covenant definition. It can then integrate via API with your accounting or financial systems to automatically pull the relevant metrics each quarter to test for compliance.
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What happens if a potential breach is detected?
The agent will immediately create an alert flagging the specific covenant the agreement it belongs to and the data indicating the potential breach.
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What happens if a potential breach is detected?
The agent will immediately create an alert flagging the specific covenant the agreement it belongs to and the data indicating the potential breach.
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What happens if a potential breach is detected?
The agent will immediately create an alert flagging the specific covenant the agreement it belongs to and the data indicating the potential breach.
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How is this different from a standard Contract Review Agent?
A standard agent focuses on general legal clauses. This agent is specialized for finance and lending with a deep understanding of financial terminology covenant structures and risk factors.
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How is this different from a standard Contract Review Agent?
A standard agent focuses on general legal clauses. This agent is specialized for finance and lending with a deep understanding of financial terminology covenant structures and risk factors.
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How is this different from a standard Contract Review Agent?
A standard agent focuses on general legal clauses. This agent is specialized for finance and lending with a deep understanding of financial terminology covenant structures and risk factors.
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Can it handle amendments and waivers?
Yes. The agent can process amendments and waiver documents alongside the original agreement correctly interpreting how they modify the original covenants and terms.
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Can it handle amendments and waivers?
Yes. The agent can process amendments and waiver documents alongside the original agreement correctly interpreting how they modify the original covenants and terms.
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Can it handle amendments and waivers?
Yes. The agent can process amendments and waiver documents alongside the original agreement correctly interpreting how they modify the original covenants and terms.
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Can we customize the covenants the agent looks for?
Yes. The workflow is fully customizable. You can configure the agent to track specific custom covenants unique to your deals or to flag particular clauses that your institution considers high-risk.
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Can we customize the covenants the agent looks for?
Yes. The workflow is fully customizable. You can configure the agent to track specific custom covenants unique to your deals or to flag particular clauses that your institution considers high-risk.
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Can we customize the covenants the agent looks for?
Yes. The workflow is fully customizable. You can configure the agent to track specific custom covenants unique to your deals or to flag particular clauses that your institution considers high-risk.
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