CovenantFlow

Company

Built by operators
for operators.

An AI systems and product builder embedding intelligent automation into the highest-stakes workflows in commercial banking.

About Us

AI, embedded where the work happens.

CovenantFlow is built by Catalyze Labs, an AI systems and product builder that creates AI-native solutions evolving into defensible products for complex industries. We focus on embedding AI directly into high-stakes workflows, bridging operational gaps, reducing risk, and unlocking efficiency for financial institutions, healthcare systems, and enterprise operators.

Our team combines deep domain insight with advanced AI engineering to deliver platforms that are not just powerful, but practical, secure, and indispensable in real-world use.

Our Mission

Ahead of risk. Earlier than reactive.

To help banks and lenders stay ahead of risk, strengthen compliance, and improve client trust through intelligent, automated covenant management.

We believe financial institutions deserve tools that make covenant monitoring proactive rather than reactive, giving credit teams earlier insight, fewer manual headaches, and a stronger foundation for growth.

Our Leadership

Technical depth meets banking expertise.

The two halves of the team needed to modernize covenant management for commercial lenders.

Craig Davis

Co-Founder, CovenantFlow
Founder, Managing Partner, Catalyze Labs

Craig has led Catalyze Labs in creating AI platforms across banking, healthcare, and enterprise operations. He brings a background in building scalable AI infrastructure and guiding institutions through the adoption of automation technologies that deliver measurable impact.

John Sotoodeh

Co-Founder, CovenantFlow
Managing Partner, Catalyze Labs

John is a former COO of Bank of California and senior executive at Wells Fargo, with decades of leadership experience in commercial banking and risk management. He brings firsthand knowledge of the operational and compliance challenges banks face, and how technology can meaningfully solve them.

Experience built across

Credit Suisse
Bank of America
Agent IQ
Wells Fargo
Banc of California
Catalyze Labs

See it on your loan book.

30 minutes with a real loan document. Extraction, monitoring, and the customer portal end to end.