Covenant intelligence
Leverage, interest coverage, and liquidity tests tracked against thresholds with headroom, warning, and breach states for every borrower.
Private Credit Portfolio Monitoring, Continuously
QEFO-X Atlas monitors the financial, operational, and market signals that move borrower risk — so covenant breaches, reporting delays, and deteriorating credits surface between reporting cycles, not after them.
Interactive demo uses simulated data.
What continuous portfolio monitoring covers
Private credit portfolios are illiquid and covenant-driven. Atlas replaces periodic, manual review with an always-current view of every position.
Continuous borrower surveillance
Financials, KPIs, and reporting deadlines refreshed on a configurable cadence per position — no more quarterly spreadsheet chases.
Early-warning risk signals
Severity-weighted alerts blend internal performance signals with external news, filings, and market sentiment, each with impact and recommended action.
Watchlist & escalation
Positions that moved surface on a watchlist with the signal that triggered them, so analysts triage by severity instead of scanning every name.
Monitoring-to-memo workflow
When a signal matters, draft a credit memo from the underlying record — financials, covenant status, and risk events already attached.
Portfolio-wide copilot
Ask “which borrowers have leverage above 5x?” or “what changed in the last 30 days?” and get cited answers across the book.
Covenant tracking with headroom, not hindsight
Every maintenance test shows actual versus threshold, headroom percentage, next test date, and reporting due date — filterable by breach, warning, and compliant states.
- Covenant tests re-evaluated as new borrower financials arrive
- News and market signals scored for severity as they publish
- Reporting-deadline tracking flags late or missing borrower deliverables
- Portfolio-level drift views for leverage, liquidity, and concentration
Early-warning alerts your team can act on
Each signal carries severity, the borrower it affects, when it was detected, the likely impact, and a recommended next step. Illustrative examples:
- High severityBorrower in breach
Net leverage covenant tested at 6.4x against a 6.0x threshold
Recommended action: Notify deal team and prepare amendment discussion
- Medium severityWatchlist name
Interest coverage trending toward threshold for two consecutive quarters
Recommended action: Request updated financials and schedule borrower call
- Low severityPerforming name
Sector news sentiment turned negative on end-market demand
Recommended action: Log for next quarterly review
Examples are illustrative; the live demo runs on simulated portfolio data.
Built for private credit investment teams
Atlas fits funds running direct lending, unitranche, or mezzanine strategies in the middle market, where covenant packages are bespoke and borrower reporting arrives in spreadsheets and PDFs. Monitoring connects directly to underwriting, memo generation, and the analyst copilot — one workspace instead of five tools.
See portfolio monitoring on your own book
We'll walk through covenant tracking, early-warning signals, and the monitoring-to-memo workflow with data that looks like yours.
Request a demo