Underwriting answers the question at origination. Portfolio management asks it every quarter after that. Credeity Monitor extends independent verification across the life of the loan (account management), surfacing changes in payment behavior before they surface in a covenant default (early warning signals).
Underwriting
Monitoring
Early Warning Signals
Renewal Support
Workout Prioritization
How it works
1. Standing authorization at origination.
The borrower signs once. The loan covenant obligates quarterly delivery of accounting exports.
2. Monthly monitoring summary.
Four to six pages. PDI trend, band changes, new Tier 1 slippage, DSO movement against benchmark, and a one-line analyst assessment. A delta, not a re-underwrite.
3. Immediate alerts between quarters.
You are notified the day we see it, not at quarter end, when any of the following occurs:
- PDI drops more than 10 points
- PDI band downgrade
- Any Tier 1 tax obligation more than 30 days past due
4. Portfolio dashboard.
Every monitored borrower appears as a row in your Lender Portal: current PDI, trend arrow, last refresh date, open alerts.
The covenant kit
Download sample covenant language requiring quarterly Credeity submissions. Paste it into your loan documents. The borrower obligation and the monitoring cadence are defined in one clause.
Pricing
Origination tells you who to lend to. Monitoring tells you what changed. Credeity covers both columns.
$3,600–$6,000 per borrower per year ($300–$500 / month). Bundle Monitor with a report at origination and the first year is discounted.
Talk to us about MonitorIntegration and data access.
Credeity delivers through the Lender Portal today. Secure report delivery integrations for loan origination and risk platforms are on the product roadmap.