AI Credit Analyst

Your analyst team works 9 to 6.
Covenio works the other 18.

An autonomous AI credit analyst for mid-market private debt funds. Screens deals, tracks covenants, writes investment memos. Your team focuses on relationships and decisions.

Three jobs your analysts spend 60% of their time on. Covenio does them continuously.

Private credit analysis hasn't changed in twenty years. Analysts still build models in Excel, track covenants in spreadsheets, and piece together market signals from a dozen sources. Covenio replaces the grind, not the judgment.

01

Covenant Monitoring

Upload a credit agreement. Covenio extracts every financial covenant, monitors compliance against reported financials, and flags breaches before they escalate. Real-time, not quarterly.

02

Deal Screening

Feed your investment criteria. Covenio continuously scans incoming deal flow, runs preliminary credit analysis, and surfaces only the opportunities worth your committee's time.

03

IC Memo Drafts

Covenio generates structured investment committee memos from raw data: company overview, financial analysis, risk factors, covenant summary. Your analysts refine. They don't start from scratch.

The Shift

Today

  • Covenant compliance checked quarterly in a spreadsheet
  • 40-80 analyst hours per deal for screening and modeling
  • Investment memos written from scratch every time
  • Market signals scattered across 10+ sources
  • Senior time spent reviewing junior work, not making decisions

With Covenio

  • Covenant compliance monitored continuously, alerts on breach risk
  • Preliminary analysis generated in minutes, not weeks
  • Structured IC memo drafts ready for review on arrival
  • Unified credit intelligence from a single autonomous agent
  • Senior time spent on judgment calls and relationship management
Every mid-market fund deserves the analytical firepower of a $50 billion platform. Covenio makes that possible.

Built by people who live private credit.