How the work looks
The credit workflow reduced to one click 
Inbound email parsed by AI into the portal 
AI risk analysis of a borrower, with personal data blurred 
The six AI layers of the portal
The Challenge
Borrower intake, identity checks, credit review, loan servicing, repayments, collections, and reporting were split across spreadsheets, inboxes, messaging apps, and separate company ledgers. Staff had no single borrower view and cross-company exposure checks required manual searches.
What We Built
Covenant Desk brings the workflow into one permission-scoped platform: a management portal, staff tools, and borrower self-service connected to the same record. It supports enquiry intake, eKYC and AML, lender-defined scoring rules, human approvals, agreements, repayment servicing, collections, reporting, and auditable AI-assisted review.
AI Capabilities
- 01
Unified Borrower Intelligence
Customer 360 profiles, exact-identity search, loan history, overdue status, and cross-company exposure are available from one authorised view.
- 02
End-to-End Lending Workflow
Applications move through verification, lender-configured scoring, human approval, agreements, repayment schedules, and collections without losing the source record.
- 03
Auditable AI Assistance
Credit summaries, email intake, document processing, and staff queries operate on live portal data while final lending decisions remain with authorised people.