No more downloading financials from one platform, uploading to another, and hoping someone checks the covenant ratios. LUCIA connects borrower data collection to analysis to alerts — automatically.
Before & After
1. Portfolio tracker sends email reminders to borrowers ($40K+/year)
2. Borrower uploads to the tracker portal
3. You get notification, log into the portfolio tracker
4. Download 6-8 files per borrower onto your computer
5. Log into your reporting tool, navigate to that borrower ($1,200+/month)
6. Upload the same files to the reporting tool's data room
7. Prompt the tool to update the quarterly review
8. Manually check covenants in a separate spreadsheet
9. Copy payment data into your Excel workbook
10. Email the billing statement to the borrower
1. LUCIA sends reminders automatically (10d, 5d, 2d, due, daily overdue)
2. Borrower uploads through LUCIA's portal
3. LUCIA auto-files documents, updates quarterly review, recalculates covenants
4. You get a notification: "Q1 review updated. 2 anomalies flagged. DSCR cushion at 4.5%."
5. Revenue → payment calc → billing statement generated and sent. Automatically.
Capabilities
Borrowers get their own clean, simple login. They see what's due, upload files by type, and get confirmation. No email chains. No shared drives. No excuses for late submissions.
Configurable per borrower and deliverable type. Default cadence: 10 days before → 5 days → 2 days → due date → daily after overdue. Track open rates, submission dates, and delinquency patterns.
See every borrower's compliance status at a glance. Three states: IN COMPLIANCE ASSIGNED OUT OF COMPLIANCE. Filter, sort, drill down. Send reminders with one click.
Define covenants per loan: DSCR, leverage ratio, minimum revenue, concentration caps, reporting deadlines. LUCIA auto-calculates from submitted financials. Track cushion percentages. Get alerts when cushion drops below your threshold.
When a borrower submits new financials, LUCIA automatically updates the quarterly review, recalculates covenant metrics, and flags anomalies. No manual re-upload. No manual prompting. The report stays current.
Revenue declined? Gross margin shifted? Customer concentration spiked? LUCIA flags it immediately with AI-generated context: what changed, why it might matter, and what to ask the borrower.
See how borrower submissions flow directly into updated reports and covenant monitoring — with zero manual data transfer.