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Uptiq's Document AI extracts the facility amount and type, margin grid, maturity date, financial covenants, reporting covenant due dates, and events of default from an executed credit agreement, and loads them straight into your covenant tracker and servicing system.
Trusted by financial institutions across banking, lending & credit
What Is This
A credit agreement is the executed contract governing a commercial facility — parties, commitment amount, pricing grid, maturity, financial and reporting covenants, collateral, and events of default — and it controls how the loan is monitored after closing.
Uptiq's Document AI extracts the facility amount and type, margin grid, maturity date, financial covenants, reporting covenant due dates, and events of default from an executed credit agreement, and loads them straight into your covenant tracker and servicing system.
Reporting deadlines — financials within 45 days of quarter end, 120 days of fiscal year end — are written in prose and never reach a calendar
The Solution
Uptiq's Document AI extracts the facility amount and type, margin grid, maturity date, financial covenants, reporting covenant due dates, and events of default from an executed credit agreement, and loads them straight into your covenant tracker and servicing system.
The result: your team spends time on judgment calls, not re-keying credit agreement data — measured across production deployments.
What Uptiq Extracts
A sample of the structured fields Uptiq's Document AI captures from this document type.
| Field | Example |
|---|---|
| Facility Amount | $12,000,000 |
| Facility Type | Revolving line of credit |
| Applicable Margin | SOFR + 225-300bps grid |
| Maturity Date | 2031-09-30 |
| Financial Covenant | Fixed charge coverage >= 1.20x |
| Reporting Covenant Due Date | Quarterly financials within 45 days |
| Collateral | First lien, all business assets |
| Borrower | Ridgeline Manufacturing LLC |
{
"facility_amount": "$12,000,000",
"facility_type": "Revolving line of credit",
"applicable_margin": "SOFR + 225-300bps grid",
"maturity_date": "2031-09-30",
"financial_covenant": "Fixed charge coverage >= 1.20x",
"reporting_covenant_due_date": "Quarterly financials within 45 days"
}Key Benefits
Uptiq's Document AI extracts the facility amount and type, margin grid, maturity date, financial covenants, reporting covenant due dates, and events of default from an executed credit agreement, and loads them straight into your covenant tracker and servicing system.
Reporting deadlines — financials within 45 days of quarter end, 120 days of fiscal year end — are written in prose and never reach a calendar
Financial covenant definitions carve out non-cash charges and pro forma adjustments in ways that change the calculated ratio
Every extracted field traces back to its source page — examiner-ready documentation, every time.
100+ native integrations across loan origination systems, cores, and workflows. No new infrastructure.
Process more credit agreement volume with your existing team as application volume grows.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
The credit agreement arrives via email, portal, or upload. AI classifies it automatically.
Fields are extracted at 95%+ accuracy with full data lineage back to the source page.
Extracted fields are validated and structured for downstream use.
Structured, extracted data lands in your existing loan origination or servicing system.
Common Questions
Related Document Types
Book a 30-minute session. We'll run a live extraction demo on your own credit agreement documents.
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