Today: fragmented tools
- Excel trackers and manual repayment lists
- One loan ledger per company, no group view
- Enquiries lost across email and messaging apps
For Hong Kong licensed lenders
The Lending OS For Private — Lenders
A unified, permission-scoped portal to accept loans, service repayments, and oversee your connected companies — all in one workspace.
Get Started client records supported across connected lending company operations
Management platform
One portal to accept loans, service repayments, and oversee connected companies.
Covenant Desk gives credit, operations, and management teams a permission-scoped management portal with global borrower search, inquiries inbox, Customer 360 profiles, cross-company exposure, repayment notice queues, document processing, and audit-ready records — including multi-company federation from one login.
01
Loan acceptance
Inquiries inbox routes new prospects and returning clients through claim, underwrite, approve with terms, and disbursement — with affordability checks and CDS-ready application records.
02
Repayment servicing
Consolidated repayment notices, overdue queues, multi-company exposure, and instruct-only FPS/eDDA repayment workflows help teams service portfolios with accuracy and accountability.
Why lenders move
From spreadsheets and separate systems to one operating portal.
Most Hong Kong licensed lenders still coordinate intake, underwriting, and repayment follow-up across Excel trackers, email, WhatsApp, and per-company loan ledgers. Covenant Desk overlays your existing ledger — it does not replace Softmedia or your core loan system.
The operational pain
- No single borrower view before approval
- Cross-company exposure checked manually
- Overdue follow-up without a shared queue
With Covenant Desk management portal
- Customer 360 and exact-HKID global search
- Inquiries inbox routes intake to the right queue
- Consolidated repayment notices and audit-ready records
Covenant Desk connects to existing loan ledgers and syncs borrower records into one permission-scoped workspace. See repayment operations for Softmedia overlay details.
Platform packages
Choose the workflow you want to modernize first.
Portal
Repayment
AI Review
Client App
Coming soon August 24th
CDS
Management Portal
Customer 360, global search, inquiries inbox, cross-company exposure, repayment dashboard, and audit records.
Read moreRepayment Operations
Consolidated repayment notices, overdue queues, high-value flags, and follow-up context.
Read moreAI Review Layer
Credit summaries, AI assistant, email parsing, document extraction, and prompt controls.
Read moreClient Repayment App
Borrower repayment schedules, request tracking, statements, and messages in one client-facing app.
Read moreCDS Compliance
Application, approved terms, and repayment records structured into CDS-ready exports ahead of the 1 June 2027 reporting rules.
Read more
3-in-1 platform
One ecosystem for lender operations and borrower self-service.
Covenant Desk connects the management portal, staff mobile workflows, and borrower client app so loan acceptance, portfolio review, repayment follow-up, and messages stay aligned.
- 01Management portal for daily lender operations
- 02Mobile staff tools for active follow-up
- 03Client app for loans, repayments, and messages
Fast facts
The operational details lenders need before a demo.
Reporting rules
CDS Ready
Reporting-ready ahead of 1 June 2027
Customer 360 shows connected company exposure
Staff review active and historical loans across affiliated companies before approval or follow-up.
Inquiries inbox routes intake to the right queue
New prospects, returning clients, and unidentified enquiries land in one triage workflow.
Repayment follow-up gets an operating queue
Overdue and upcoming notices are easier to prioritise when visible together.
Operations run inside the management portal
Search, profiles, documents, repayment work, and AI-assisted review stay in one audited workspace.
Multi-company federation from one login
Owners running multiple lending companies can oversee connected entities without separate systems per company.
AI functions
Built in phases.
Each phase adds a new capability on top of the same foundation: one shared portal, one borrower database, and one audit trail.
01
AI Credit Analyst
Summarises loan history, repayment behaviour, overdue status, and risk signals for staff review.
Learn more
02
Agentic AI Assistant
Lets staff ask plain-language questions about a borrower, entity, or portfolio using live portal data.
Learn more
03
AI Email Processing
Parses incoming enquiries into structured records and routes them into the inquiries inbox.
Learn more
04
AI Document Processing
Classifies borrower attachments, contracts, and case files into searchable borrower profiles.
Learn more
05
AI Prompt Management
Gives operations teams admin-level control over summary format, emphasis, and risk flags.
Learn more
Lender operating process
End-to-end solutions to build a highly collaborative after-sales team.
A comprehensive system application to meet your various management needs, from initial contact and loan review to customer marketing and after-sales service.
The client app gives borrowers repayment schedules, FPS pay-now and eDDA autopay options, loan status, statements, and secure messaging — connected back to the same records staff use in the management portal.
Schedule demo
01
Initial Contact
Start every new opportunity with structured due diligence and confidentiality controls.
- Preliminary financial due diligence
- Preliminary business due diligence
- Sign a confidentiality agreement
Next payment
HK$4,250
Due 15 Jul · monthly
FPSeDDA
Pay now→
02
Loan Management
Keep review, valuation, follow-up, and credit data inside one auditable management workspace.
- Preliminary loan review
- Value assessment
- Loan follow-up
- Credit report
03
Customer Marketing
Coordinate customer outreach, repayment reminders, subscription management, and activity analysis from the same customer record.
- SMS / telemarketing
- Principal and interest repayment reminders
- Subscription and redemption management
- Customer activity analysis
04
After-Sales Service
Give the team one place to resolve inquiries, complaints, membership requests, and daily work records.
- Customer inquiry
- Customer complaints
- Membership services
- Work records
Borrower estimator
A borrower-facing view connected to lender operations.
Illustrative only and not an offer. Lenders provide actual terms and make all lending decisions inside the management portal.
Trust and controls
Built to sell clearly without crossing lender boundaries.
Plans for licensed lenders
Buy now, or start with a demo.
Start from as little as HK$2,000/month. Extra staff seats are HK$1,000 one-time each; monthly pricing scales by lending companies and loan records at checkout.
Starter
Start with one licensed lending company.
HK$2,000/mo HK$0 self-serve setup Includes 3 seats, 1 company, and 2,000 recordsGrowth
Modernize the daily workflow for a growing team.
HK$5,500/mo HK$5,000 setup Includes 10 seats, 1 company, and 10,000 recordsFederation
Oversee multiple connected lending companies.
HK$14,000/mo HK$20,000 setup Includes 25 seats, 3 companies, and 20,000 recordsCapabilityStarterGrowthFederation
Connected lender operations113 included
Included users31025
Included loan records2,00010,00020,000
Inbound request inboxProfile onlyIncludedIncluded
Management portalBasicTeam workflowMulti-entity
Client app and borrower visibilityDiscussIncludedCustom
AI-assisted reviewNot includedIncludedCustom controls
Support levelStandardImplementation supportPriority
Configure & buy now
Choose a bundle, add AI, bots, and portal functions, and check out securely — or book a demo call first. You can do both.
Hong Kong lending software guides
Research guides for Hong Kong lending and compliance teams.
Five in-depth guides covering credit reference data, loan origination, loan servicing, licensed money lender software selection, and Credit Data Smart readiness ahead of the rules effective 1 June 2027.
All five guides are written in Traditional Chinese (zh-HK) for Hong Kong readers.
Hong Kong credit reference system (CRS) guide
How credit reference agencies, Credit Data Smart, loan origination and loan management systems differ — and which borrower record belongs in each.
Free assessment checklist
Loan origination system (LOS) guide for Hong Kong lenders
The application-to-disbursement path: intake, documents, KYC, DSR, credit review, approval, and the handover into servicing.
Free process blueprint
Loan management system (LMS) guide for Hong Kong lenders
Repayment schedules, collection reconciliation, arrears follow-up, notices, statements and portfolio monitoring after disbursement.
Free health check
Licensed money lender software buying guide
A buying guide that works back from Hong Kong licensing conditions, PDPO obligations and audit expectations to the system capabilities you actually need.
Free vendor scorecard
Credit Data Smart (CDS) readiness guide for 1 June 2027
What licensed money lenders should prepare before the Credit Data Smart rules take effect on 1 June 2027, including the record fields to structure now.
Free data checklist
See all Hong Kong lending software guides in the resource hub
No. Covenant Desk is lending operations software. Participating lenders provide actual terms and make all lending decisions.
It refers to client records supported across connected lending company operations. It is not a claim that every borrower is an active Covenant Desk user.
Covenant Desk supports multi-company federation from one login while keeping records scoped by company, role, and permission. Cross-company borrower views use audited exact-HKID lookup rules.
Yes. Covenant Desk can be enabled right away for portal access. The demo confirms which modules, user roles, company views, and source records should be active for your team.
Use the demo to map user roles, company access, borrower consent points, and what data each team should see before production setup.
Covenant Desk syncs borrower and loan records from connected source systems such as Softmedia into a company-owned database. It overlays your existing ledger for search, exposure, and repayment visibility — it does not replace your core loan system.
Yes. Many lenders begin with the management portal and repayment operations, then add marketplace intake or the client app when the team is ready. The demo should identify your first workflow priority.
Covenant Desk structures application, approved terms, and repayment data for lender export ahead of the CDS rules effective 1 June 2027. Lenders remain responsible for submission and regulatory interpretation.
AI capabilities read from the same borrower records in the portal and write summaries back into the review trail. Outputs are designed for human review; operations teams control prompt format and emphasis through admin settings.
Starter includes 3 seats, 1 lending company, and 2,000 loan records from HK$2,000/month. Growth includes 10 seats and 10,000 records for a single company. Federation includes 25 seats, 3 lending companies, and 20,000 records. Extra seats are HK$1,000 one-time each; checkout calculates extra companies and record blocks separately.
Demo to rollout: Scope → Design → Build → Scale — Covenant Desk can be enabled right away, and the demo confirms what to turn on first.
Operations estimator
Estimate the review workload your portal needs to organize.
This is not a savings claim. It helps lenders size the request-review workload that Covenant Desk can structure into queues, profiles, and follow-up paths.
Ready for rollout
Everything your lending team needs, in one connected portal.
Start with a secure checkout or book a demo to map the right workflow for your licensed lending operation.
