Private debt

Know where every covenant stands

Borrower monitoring, covenant headroom and loan-level reporting in one secure workspace

The challenge

Sound Familiar?

Common challenges credit funds face

Leverage ratios, interest coverage, FCCR — each borrower carries its own tests, and they tend to live in a spreadsheet.

Borrowers send quarterly financials as PDFs, and the numbers get re-typed into spreadsheets by hand.

Without a live view, covenant headroom can move quietly between reports and surface later than you would like.

Investors ask for yield, duration and credit quality by individual loan, but the data often sits only at fund level.

How AltoaX helps

Purpose-built for private debt operations

Define the covenant tests for each borrower and track how each ratio sits against its threshold.

The workspace reads balance sheet and income statement figures from borrower financials, so you review rather than re-type.

Watch covenant headroom trend across the portfolio and spot deteriorating credits early.

Compile investor reports with yield, duration and credit metrics down to the individual loan.

Monitor covenant compliance, borrower health, and portfolio risk in one view

Capabilities

Features for loan portfolio management

AI-assisted extraction from PDFs, Excel, images and scans, traced to source

15 field types, conditional logic, automated distribution

Portfolio dashboards, KPIs and performance metrics

Branded PDFs with custom sections and visualisations

See how credit fund managers streamline borrower monitoring and LP reporting. No account is created until your request is approved.