Stop managing covenants by hand. Extract every covenant from agreements, build a live compliance tracker, and flag deadlines and breaches. Quarterly reviews to 24/7 surveillance.
Covenant monitoring is scattered across spreadsheets and shared drives, teams miss deadlines and catch breaches after the warning signs appear. In a higher-rate market, that drains credit-admin capacity and leaves you exposed as regulators demand proactive oversight.
The Continuous Monitoring Superagent replaces periodic spreadsheet reviews with automated, real-time portfolio surveillance. A Covenant Tracking Agent runs the full tickler and document-chase lifecycle, while the Covenant Analysis Agent scores breach likelihood and stress-tests the portfolio.
Extracts covenants and reporting obligations
Tracks compliance and follows up automatically
Recalculates covenant metrics from new data
Identifies potential breaches before they occur
Measurable impact from commercial lenders and financial institutions running the Continuous Monitoring Superagent.

Replaces the front-end paper chase from application to verified loan record with automated document collection, extraction, and KYC/KYB screening, so underwriters start with a complete, decision-ready package.

Automates financial spreading and drafts decision-ready credit memos, applying your credit policy and stress-testing ratios cutting underwriting cycle time by 41% so your team can focus on risk judgment.
The Continuous Monitoring Superagent is software for commercial lenders that autonomously extracts covenants from loan agreements, tracks obligations, chases missing borrower documents, and recalculates compliance ratios in real time. By replacing periodic spreadsheet reviews with 24/7 portfolio surveillance, it catches emerging breaches before they become defaults or regulatory findings.
It extracts every financial and non-financial covenant directly from your loan agreements to build a live compliance tracker. The Covenant Tracking Agent then autonomously chases and collects required financials, validates the submitted data, and re-spreads financials to verify compliance, while the Covenant Analysis Agent stress-tests the portfolio and scores breach likelihood — alerting your team only when a deadline, at-risk threshold, or breach requires attention.
Both are included in the superagent. The Covenant Tracking Agent handles operational tracking and compliance enforcement ticklers, document collection, completeness validation, escalation, and remediation. The Covenant Analysis Agent handles risk detection and early warning calculating ratios, detecting breaches, running stress and sensitivity analysis, and generating credit-committee-ready insights.
It supports post-booking portfolio surveillance across commercial real estate (CRE) and C&I portfolios. It is designed to track financial covenants (such as DSCR and leverage ratios), reporting requirements, operational conditions, and insurance renewals across complex, multi-entity guarantor structures.
The superagent integrates with your existing software stack through more than 100 pre-built connectors. It connects directly with major Loan Origination Systems (LOS) like nCino, as well as core systems, CRMs, and document systems, updating tracking ticklers automatically within your established tools.
Most institutions go live within days to a few weeks. Uptiq handles scoping, policy configuration, and API integration setup, so no rip-and-replace of your legacy infrastructure is required. Timing depends on your specific covenant complexity and integration needs.
Yes. The Continuous Monitoring Superagent is fully compliant with banking risk management regulations and holds SOC 2 Type II certification. Every tickler, document collection, and ratio calculation maintains an immutable audit trail and data lineage linked directly to the source document.
Yes. You can deeply customize the rules within the superagent to match your exact credit and portfolio management guidelines. It natively understands your unique credit policy and applies your specific compliance thresholds, at-risk triggers, and exception-processing rules in real time.
Traditional software requires analysts to manually update ticklers, chase borrowers via email, and re-spread new financials by hand. Uptiq's Continuous Monitoring Superagent autonomously executes the work collecting documents, running the analysis, and re-spreading financials alerting humans only when a breach or exception is detected.
Our team handles scoping, configuration, and go-live. Most lenders are in production within days, with no rip-and-replace of existing systems required.

