Introducing LUCIA — The AI Credit Platform. Try the interactive demo →
Lending Underwriting & Credit Intelligence Agent

Screen faster.
Monitor smarter.
Close cleaner.

LUCIA replaces your patchwork of underwriting tools, portfolio trackers, and Excel workbooks with one AI-native platform for private credit origination, portfolio monitoring, and loan operations.

Book a Demo See How It Works
Per-deal data isolation No training on your data Source-level audit trail
Credit Analyst
Underwrite in minutes
Active
Portfolio Monitor
Real-time compliance
4 borrowers
Loan Operations
Automated billing
$7.9M
0
Borrowers
0%
Compliance
0
Reports

The Status Quo

Private credit teams are duct-taping three systems together

Underwriting

Your underwriting tool can't talk to your portfolio tracker. Every deal means re-downloading and re-uploading 100+ files between platforms.

$1,200 / month on report generation

Portfolio Monitoring

Monthly financials arrive via email, get filed manually, and sit in a $49K/year repository that can't actually analyze them.

2–3 hrs / borrower / month, manual

Loan Operations

Revenue-based payment calculations live in a personal Excel workbook. Billing statements are copy-pasted into emails.

Zero automation, revenue to invoice

Sound familiar? You're paying $63,000+/year for tools that don't communicate — and still doing the math in Excel.

The Platform

One platform. Three capabilities. Zero manual transfers.

Everything connected — from the first data room upload to the last billing statement.

01 AI-Powered Underwriting

Credit Analyst

Upload a data room. Get a credit memo with charts, gap analysis, and follow-up questions — in minutes, not days.

Template-based report generation (15+ credit-specific templates)
Inline charts in every report — bar, line, area. No rendering failures.
Data room gap analysis with recommended follow-up questions
Credit policy screening: Reject / Conditional / Qualified
Upload call transcripts → reports update with qualitative context
Multi-model policies: SaaS, Marketplace, custom frameworks
Learn more
02 Automated Portfolio Intelligence

Portfolio Monitor

Borrowers submit financials directly. Reports update automatically. Covenants are tracked and monitored in real time.

Borrower portal: self-service document submission
Automated drip reminders (10d → 5d → 2d → due → daily overdue)
Compliance dashboard: In Compliance / Assigned / Out of Compliance
Covenant monitoring with threshold alerts and cushion tracking
Auto-triggered report updates on new data receipt
Anomaly flagging: revenue decline, margin shifts, covenant approach
Learn more
03 End-to-End Loan Automation

Loan Operations

Revenue-based payments auto-calculated. Billing statements generated and sent to borrowers on schedule.

Revenue × rate% → royalty / interest / principal split (automatic)
Shortfall handling: difference accrues to principal balance
Monthly billing statement generation (PDF, emailed to borrower)
Multi-borrower dashboard: balances, next payments, delinquencies
Full payment history with audit trail
Integrates with borrower portal: revenue → payment → statement
Learn more

How It Works

Three steps. One continuous workflow.

01

Originate

Upload the data room. LUCIA screens against your credit policy, generates the initial credit memo with inline charts, and flags what's missing — complete with a prioritized follow-up question list for the founder call.

02

Monitor

Borrowers submit monthly financials through their portal. Reports update automatically. Covenants are tracked in real time with cushion alerts. You get a pre-call briefing before every borrower conversation.

03

Operate

Revenue comes in. Payment splits are calculated — royalty, interest, principal — automatically. Billing statements go out. Your Excel workbook retires.

By the Numbers

What changes when underwriting, monitoring, and billing live in one system

20–40 hours
0 min
Time to first credit memo draft
100+ files manually
0
Manual file transfers between systems
2–3 hrs/borrower
Auto
Revenue calculation and billing
$63,000+/year
0x
One subscription replaces multiple point solutions

Who It's For

Built for every role in the credit fund

Portfolio oversight at a glance

Fund-level analytics: AUM, yield, concentration, DSCR across the portfolio
Risk heatmap ranks borrowers by covenant health, payment history, and revenue trend
LP quarterly reports generated automatically with charts and narrative
AI Command Center: ask "What are the top 3 risks in my portfolio?" in plain English
Institutional knowledge: query past deals, compare credit profiles, spot patterns
Portfolio Dashboard Live
$48.2M
Assets under management
1.62×
Portfolio-wide DSCR
94%
Borrowers in compliance
Risk heatmap — borrowers ranked
Relay Logistics Healthy
Apex Trading Watch
Northwind Co. Healthy
AI Command Center answers “What are my top 3 portfolio risks?” in plain English.

From data room to credit memo in minutes

Upload the data room. LUCIA classifies, organizes, and identifies gaps instantly.
Generate credit memos with 15+ templates — inline charts, source-tagged data, auditable
Credit policy screening: auto-detect business model → apply correct policy → three-tier result
Upload call transcripts → reports gain qualitative context from founder conversations
Incremental updates: new financials in → affected report sections refresh automatically
Screening Workflow Live
1
Upload the data room
47 files auto-classified — financials, tax returns, compliance, legal, customer KPIs.
2
Screen against policy
Marketplace policy applied — 7 of 10 criteria met. Verdict: Conditional, 3 gaps flagged.
3
Generate the credit memo
11-section memo, inline charts, source-tagged data — IC-ready in 32 minutes.
Auto-detects the business model, applies the matching credit policy, and returns a three-tier verdict.

From revenue submission to billing statement — untouched

Revenue-based payment calculator: monthly revenue × rate → automatic royalty/interest/principal split
Billing statements generated as PDF and emailed to borrowers on schedule
Automated compliance reminders: 10 days, 5 days, 2 days, due date, daily overdue
Deliverable calendar: see every upcoming submission across the entire portfolio
Covenant monitoring with cushion tracking and breach alerts in real time
Billing Run — May 2026 Live
$1.24M
Billed across the portfolio this cycle — statements generated and sent automatically
Relay Logistics$312K
Apex Trading$486K
Northwind Co.$442K
Revenue in → payment split calculated → statement generated and emailed. No spreadsheet touched.

Security & Compliance

Enterprise-grade security. Zero compromises.

Per-Deal Data Isolation
Every borrower's data lives in its own isolated container. No cross-contamination. No information leakage between deals.
AES-256 Encryption
All data encrypted at rest and in transit. TLS 1.3 for every connection. No unencrypted data paths.
No Model Training
Your deal data is never used to train AI models. Zero retention policy. Your data is yours.
Role-Based Access Control
Granular permissions for lenders, analysts, operations, and borrowers. SSO integration available.
Complete Audit Trail
Every action logged. Every report version tracked. Every data access recorded for compliance review.
US-Only Data Residency
All data stored exclusively in US data centers. No offshore processing. Full data sovereignty.
Read our full security overview

Stop paying $63K/year for tools that don't talk to each other.

See LUCIA handle a complete deal — from data room upload to credit memo to payment calculation — in one demo.

Book a Demo Try the Interactive Demo