AI-powered covenant managementMonitor. Manage. Stay Compliant.
CovenantFlow helps lenders and credit teams stay ahead of risk, streamline compliance, and strengthen client relationships, with AI reading every loan document every quarter.
SOC 2 Type II · BAA available · US-region data residency
Why CovenantFlow
Covenant management shouldn't be manual.
Catch breaches months before they hit
AI reads every covenant clause, financial statement, and amendment, surfacing weak signals 3 to 6 months before traditional monitoring methods would notice.
Live status across the whole book
Every covenant tracked against current performance. Watch lists, segment rollups, and breach alerts in one place. No more spreadsheets.
Eliminate manual review work
Loan agreements turn into structured covenant data automatically. Compliance certificates ingest. Reports generate. Your team works on the calls that matter.
Strengthen client relationships
Clients get a portal. Connect their books, share statements, respond to requests. Faster turnaround, cleaner audit trail, fewer awkward email chains.
Built for the full lifecycle
Every stage, one platform.
From the day a loan is booked to the day it's renewed, CovenantFlow stays with you, and with your borrower, all the way through.
Origination
AI extracts every covenant from the loan agreement on day one. Structured data, ready to monitor.
Monitoring
Live tracking against borrower financials. Watch lists, breach alerts, segment rollups.
Breach response
Surface drift before it becomes a default. Coordinated workflows for waivers and amendments.
Renewal & expansion
Audit trail built in. Strengthen the relationship into the next facility, the next product.
Powerful features
Everything your team needs to stay compliant.
From real-time dashboards to AI-driven document intelligence, CovenantFlow gives credit teams everything they need to reduce risk, save time, and stay compliant.
Compliance Dashboard
Stay on top of every covenant with real-time tracking and alerts.
Now you can:
- Monitor covenant compliance status across all clients in one dashboard
- View upcoming deadlines and high-priority breaches instantly
- Drill into client-specific details with a single click
Client Management
A complete view of borrower health and relationships.
Now you can:
- Track loan amounts, risk scores, and compliance status in one place
- Manage client contacts, accountants, and outreach history easily
- Provide clients secure access through a dedicated portal
Document Intelligence
Turn loan agreements into structured, actionable covenant data.
Now you can:
- Upload agreements and let AI extract financial, negative, and affirmative covenants
- Standardize covenant definitions for consistent monitoring
- Eliminate hours of manual review and data entry
Alerts & Notifications
Never miss a breach or upcoming requirement.
Now you can:
- Receive instant alerts for ratio breaches, missed filings, and exceptions
- Prioritize by severity with high, medium, and low flags
- Configure escalation workflows for waivers and amendments
Client Portal
Build transparency and strengthen client relationships.
Now you can:
- Share alerts and upcoming requests directly with clients
- Allow clients to respond and upload documents securely
- Improve compliance response rates through guided workflows
Measurable benefits
Reduce risk, save time, improve outcomes.
Earlier risk detection
AI surfaces breaches and weak signals well ahead of traditional monitoring methods.
Manual review work
Automated covenant extraction and tracking eliminates repetitive monitoring tasks.
Audit-ready documentation
Every covenant, breach, waiver, and outreach is logged for instant compliance reviews.
Client response rates
Automated reminders and the borrower portal drive faster turnaround on financials.
Seamless integrations
Plugs into the systems your bank already runs.
Connect CovenantFlow with the tools your team already uses to simplify compliance and strengthen monitoring.
Loan Origination
- nCino
- Finastra Loan IQ
- Abrigo
- Jack Henry LoanVantage
Core Banking
- Fiserv DNA
- Jack Henry SilverLake
- FIS IBS
Borrower Data
- Codat
- Plaid
- QuickBooks Online
- Xero
Documents & E-Sign
- DocuSign
- Adobe Acrobat Sign
- Box
- SharePoint
Identity & SSO
- Okta
- Microsoft Entra ID
- Ping Identity
Communications
- Microsoft Teams
- Slack
- Outlook
Take control of your covenant management.
Book a personalized demo and see how AI-powered monitoring can reduce risk, save time, and modernize compliance for your institution.