Every role.
Every deal type.

LUCIA adapts to how you work — whether you're screening new deals, monitoring a portfolio, or managing loan operations.

By Role

What LUCIA does for your team

Portfolio oversight. LP reporting. Risk intelligence.

You need to see the whole portfolio at once — which borrowers are performing, which need attention, and what to tell your LPs this quarter.

Portfolio analytics dashboard — fund-level AUM, yield, DSCR, concentration, and delinquency rate on one screen
Risk heatmap — borrowers ranked by covenant health, payment history, and revenue trend. Spot trouble before it becomes a problem.
LP quarterly reports — generated automatically with narrative, charts, and per-borrower performance summaries. Export-ready.
AI Command Center — ask "What are the top 3 risks in my portfolio?" or "Compare DSCR trends across active borrowers" in plain English.
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.

Screen deals. Generate memos. Enforce policy.

You're the gatekeeper. LUCIA gives you the tools to screen faster, analyze deeper, and document thoroughly — without the manual grind.

Credit policy screening — auto-detect SaaS vs. Marketplace, apply the right policy, get a three-tier result: Reject / Conditional / Qualified
Credit memo generation — 15+ templates with inline charts, source-tagged data, and follow-up questions. IC-ready in 30 minutes.
Transcript enrichment — upload founder call transcripts and watch your credit memo gain qualitative depth automatically.
Gap analysis — data room scanned against diligence checklist. Missing documents flagged. Follow-up questions prioritized for your next call.
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.

Analyze financials. Build reports. Prepare calls.

You do the deep work. LUCIA handles the grunt work — parsing documents, extracting data, building charts — so you can focus on analysis.

Financial data extraction — LUCIA parses P&L, balance sheet, and cash flow from uploaded Excel and PDF files. Structured, ready for analysis.
Inline charts — bar, line, area, stacked — rendered directly in reports. No separate chart tool. No copy-paste from Excel.
AI editing assistant — "Make this section more concise." "Add supporting data." "Compare against policy." The AI helps you refine, not replace.
Call prep briefing — before each borrower call, LUCIA generates a briefing: latest trends, anomalies, open items, and suggested questions.
Report Workspace Live
47
Files parsed
11
Report sections
6
Inline charts
Monthly net revenue — rendered in the memo
LUCIA parses P&L, balance sheet and cash flow from Excel and PDF — structured and ready for analysis.

Process payments. Track compliance. Send statements.

You keep the machine running. LUCIA automates the repetitive parts so you can focus on exceptions and escalations.

Payment automation — revenue in, payment calculated, royalty/interest/principal split done. No Excel. No manual calculation.
Billing statements — generated as PDF, emailed to borrowers automatically. Delivery tracked (sent, opened, viewed).
Compliance reminders — automated drip campaigns remind borrowers of upcoming deliverables. Escalation on overdue items.
Deliverable calendar — see every upcoming submission across the entire portfolio. No more surprises.
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.

By Deal Type

Tailored for how private credit actually works

Revenue-Based Financing

Variable monthly payments tied to borrower revenue. The most operationally complex loan type — and the one LUCIA was built to automate.

Revenue × rate% → automatic payment calculation with royalty, interest, and principal allocation
Shortfall handling: when the payment doesn't cover royalty + interest, the difference accrues to principal
Revenue trend analysis with anomaly detection — flag declining months before they become problems
Monthly billing statements with full payment breakdown, generated and sent automatically
RBF Payment Engine Live
$53,820
Total monthly payment — 6.5% of $828K reported revenue
Revenue royalty$4,000
Interest$18,200
Principal$31,620
Revenue × rate → royalty / interest / principal, split automatically. Shortfalls accrue to principal.

Term Loans

Fixed payment schedules with standard amortization. LUCIA manages the underwriting, monitoring, and covenant tracking throughout the loan lifecycle.

Fixed payment schedule management with amortization projections
DSCR and leverage ratio monitoring with cushion tracking and breach alerts
Comprehensive credit memo with financial deep dive, risk assessment, and covenant analysis
Quarterly review auto-updates when new financials arrive
Covenant Monitor Live
DSCR1.62× / 1.45× floor
Leverage ratio3.1× / 3.5× cap
Liquidity covenant$2.4M / $1.5M min
Fixed payment schedule, amortization projections, and DSCR / leverage monitoring with real-time breach alerts.

Venture Debt

Growth-stage lending with milestone-based covenants and KPI monitoring. LUCIA tracks the metrics that matter for venture debt — churn, CLTV, CAC, burn rate.

Milestone covenant tracking alongside financial covenants
SaaS KPI monitoring: churn rate, CLTV, CAC, net dollar retention, burn multiple
Multi-model credit policies: standard SaaS criteria vs. high-growth exceptions
Warrant coverage and equity kicker tracking in loan terms
KPI Monitor Live
$2.1M
Annual recurring revenue
112%
Net dollar retention
3.2%
Gross monthly churn
14 mo
CAC payback period
4.1×
CLTV to CAC ratio
1.8×
Burn multiple
Tracks churn, CLTV, CAC, net retention and burn — alongside milestone covenants and warrant coverage.

See LUCIA for your deal type.

The demo includes sample data for SaaS revenue-based financing, marketplace lending, and venture debt scenarios.

Try the Interactive Demo