A covenant you test once a year is a covenant you find out about too late. Uptiq's agents track every financial and reporting covenant continuously — re-spreading periodic financials, testing thresholds, and flagging breaches and deadlines the moment they matter, not at the next review.
Continuous, portfolio-wide monitoring — every ratio re-computed at 95%+ accuracy and traced to source.
Trusted by financial institutions across banking, lending & credit
Once a loan books, covenant tracking usually falls to spreadsheets and tickler files — and the first sign of trouble often arrives at the annual review, long after it could have been managed.
Every deal closes with covenants, but the monitoring that follows is a patchwork. Someone waits for financials, re-spreads them by hand, recomputes coverage, and updates a tracking sheet — if there's time. Reporting covenants live in calendar reminders. Nothing is continuous, and nothing is portfolio-wide.
The cost is risk you can't see. A borrower's DSCR slips two quarters before anyone notices; an insurance certificate lapses; a compliance cert is late. By the time it surfaces, the window to act — restructure, reprice, require a cure — has narrowed or closed. Examiners, meanwhile, expect evidence you were watching all along.
Uptiq's covenant monitoring agent captures every covenant at booking and watches it for the life of the loan — re-spreading financials, testing thresholds, and alerting the right people the moment something moves.
Financial thresholds, reporting requirements, and deadlines are captured from the loan documents at booking — no manual tracking-sheet setup.
Periodic financials are collected and re-spread automatically at 95%+ accuracy, with every figure traced back to its source document.
DSCR, leverage, liquidity, and other ratios are recomputed and tested against their thresholds, while reporting deadlines are tracked in parallel.
Breaches, trending risks, and approaching or missed deadlines trigger alerts to the right people — with a live portfolio view and an audit trail behind every result.
The result: risk you can see and act on early — continuous covenant compliance across your whole commercial book, backed by the same 95%+ accuracy and data lineage Uptiq delivers across 150+ financial institutions in production.
Both kinds of covenant, tracked continuously and rolled up across the portfolio instead of buried in spreadsheets.
Re-spread from periodic financials and tested against each threshold, automatically.
Deadlines tracked and chased so required documents never quietly lapse.
Illustrative view. Every status is recomputed from re-spread financials with each figure traced to its source document.
Covenants are tested as financials arrive, so a slipping ratio surfaces in time to restructure, reprice, or require a cure — not months later.
Monitoring runs for the life of the loan instead of once a year, turning covenant tracking from a periodic scramble into an always-on process.
One live view of every covenant and deadline across the book — compliance, approaching tests, and breaches, all in one place.
Every re-spread figure and covenant result traces to its source document, so you can show exactly how each covenant was monitored.
Compliance certs, insurance certs, and required statements are tracked and chased automatically, so reporting covenants don't quietly slip.
100+ native integrations across LOS and cores keep covenant terms and results in sync — the agent layer sits above your systems.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Covenant thresholds, reporting requirements, and deadlines are captured from the loan documents at booking.
Periodic financials are collected and re-spread automatically at 95%+ accuracy with full lineage.
Ratios are recomputed and tested against thresholds; reporting deadlines are tracked in parallel.
Breaches and deadlines trigger alerts, and every covenant rolls up into one live portfolio view.
150+ financial institutions run Uptiq's AI agents across the credit workflow. See continuous covenant monitoring on your own portfolio.
Book a 30-minute session. We'll walk through how Uptiq captures covenants, re-spreads financials, and flags breaches across a portfolio.
See how Uptiq captures covenants, re-spreads financials, and flags breaches and deadlines across your portfolio.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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