Use cases
One loan file, three desks, zero rekeying.
A number entered at intake is the number the covenant test reads and the statement bills. Five workflows show how one loan book replaces three sets of tools.
From data room to committee, in days.
Before
Diligence files arrive by email. An analyst spreads each one by hand, re-keys the numbers into a tracker, and drafts the memo in a separate document.
With Lucia
Borrowers upload through Brain Link. Lucia classifies every file, screens the applicant against your written credit policy, scores the borrower, and drafts a committee-ready memo — every figure cited to the page it came from.
Every covenant tested the day the numbers land.
Before
Management accounts arrive as Excel files. Someone downloads each one, re-keys the figures into a covenant tracker, and emails the portfolio manager when a threshold is close.
With Lucia
Financials land through Brain Link. Lucia extracts the reported figures, retests every covenant, computes headroom against each threshold, and flags late deliverables with their cure deadline.
| Covenant | Threshold | Actual | Headroom | Result |
|---|---|---|---|---|
| Minimum ARR | ≥ $4.0M | $4.6M | +15% | Pass |
| Gross churn | ≤ 2.0% | 1.85% | +8% | Pass |
| Cash runway | ≥ 3.0 mo | 4.1 mo | +37% | Pass |
| Concentration | ≤ 35% | 31% | +11% | Pass |
The billing run, already reconciled.
Before
Revenue lands in a spreadsheet. An analyst computes each payment by hand, splits the principal and interest, formats a statement in Word, and emails it to the borrower.
With Lucia
Revenue is reported through Brain Link. Lucia computes each payment from the facility's rate, splits it into principal, interest, and revenue share, and posts the statement. Reminders queue at 10, 5, and 2 days before due.
| Borrower | Facility | Revenue | Rate | Payment | Status |
|---|---|---|---|---|---|
| Harrier Logistics | HL-02 | $612,400 | 6.5% | $39,806 | Sent |
| Steller Data | SD-01 | $1,240,000 | 4.5% | $55,800 | Sent |
| Redtail Commerce | RC-01 | $388,900 | 7.0% | $27,223 | Sent |
| Osprey Freight | OF-01 | $142,300 | 8.0% | $11,384 | Reminder 2 queued |
| 4 of 14 statements shown | $134,213 | ||||
Upload once. See every statement.
Before
Borrowers email their financials to the lender, wait for a statement by email, and wire the payment with no confirmation until the next cycle.
With Lucia
Borrowers upload financials and deliverables through Brain Link. They see their statements, payment history, and cap progress in the Borrower Portal — and pay directly from the statement.
- Statement period
- October 2026
- Payment due
- $39,806
- Due date
- Oct 5
- Status
- Sent
- Brain Link
- 3 documents uploaded
Ask in plain language. Check the source in one click.
Lucia AI answers questions about any borrower, covenant, or statement on the loan book. Every answer is cited to the document, page, and period it came from. Ask about concentration, covenant trends, or overdue deliverables — the source is one click away.
Before
A portfolio manager pulls data from four systems before a board meeting, cross-references covenant tests by hand, and formats the summary in a slide deck.
With Lucia
Ask about any borrower, covenant, or statement in plain language. The answer arrives with its citations, and the source document opens in one click.
Which borrowers are within 10% of a covenant threshold?
Harrier Logistics — gross churn 1.85% against a 2.0% cap, 8% headroom. Goshawk Robotics — cash runway 3.2 months against a 3.0-month minimum, 7% headroom.
- [1]Management accounts · Aug 2026 · p. 4
- Revenue-based
- Term loans
- Delayed-draw
Portal access
Three desks. One record.
Sign in and see how one loan file moves from intake to billing without rekeying a number.
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