Today: fragmented tools
- Excel trackers and manual repayment lists
- One loan ledger per company, no group view
- Enquiries lost across email and messaging apps
WE ARE A SOFTWARE FINTECH COMPANY
BUILD YOUR FINANCIAL BUSINESS
WE ARE A SOFTWARE FINTECH COMPANY.
We build custom financial operations systems and ready-to-deploy software for online lending, financial services and business management: credit applications, anti-fraud, scoring, loans, billing, payments, collection, CRM, BI, APIs, bots and AI. Our core product is Covenant Desk Lending.
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 upload and review, and audit-ready records — including multi-company federation from one login.
01
Loan acceptance
The inquiries inbox routes new prospects and returning clients through claim, underwrite, approve with terms and disbursement, with affordability checks and traceable application records.
02
Repayment servicing
Consolidated repayment notices, overdue queues, multi-company exposure, and instruct-only FPS repayment workflows help teams service portfolios with accuracy and accountability. eDDA autopay is coming soon.
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 Lending is a complete system with its own database. If you already run Softmedia, TE Credit or spreadsheets, your records import into it — that is a migration path, not a dependency.
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. for Softmedia overlay details.
Platform packages
Choose the lending product you run.
Seven lending configurations on one platform, plus staff-facing AI, borrower self-service and a CDS data-readiness preview. Each card states whether the capability is live, limited, coming soon or built for you.
Available now
Available now
Available now
Available now
Built for you
Built for you
Built for you
AI Review
Client App
Coming soon August 24th
CDS
eKYC
Coming soon · not available today
AML
Live · UN sanctions only
Rules
Live · built-in policy
Background
eSign
Coming soon · printable documents live
CD Personal LoansCD Personal Loans
The whole loan in one system: enquiries, identity checks, your scoring rules, agreements, repayments and collections.
Read moreCD Tax Loans
CD Tax Loans is Covenant Desk Lending configured for the season: one product template, a fixed term, a rate card, and an intake queue built to absorb a burst.
Read moreCD Debt Consolidation
CD Debt Consolidation is Covenant Desk Lending configured for payoff: creditor records on the application, settlement evidence attached to the loan, and a borrower view that shows what was cleared.
Read moreCD Guarantor Loans
CD Guarantor Loans is Covenant Desk Lending configured for a second party — guarantor identity, the signed consent Licensing Condition 13 requires for referees, and a reversal path when consent fails.
Read moreCD Business Lending
CD Business Lending is built on the Covenant Desk platform for entity borrowers: a company as the subject of the record, directors and guarantors attached to it, and exposure measured across both.
Read moreCD Property Mortgage
CD Property Mortgage is built on the Covenant Desk platform with collateral as a first-class object: valuations, loan-to-value, charge registration, redemption and discharge, alongside the borrower record you already run.
Read moreCD Bridging Finance
CD Bridging Finance is built on the same collateral model as CD Property Mortgage, with the loan organised around a maturity date and a recorded exit rather than a repayment schedule.
Read moreAI Review Layer
Portfolio Copilot, underwriting hints, risk commentary, collections drafts and email-intake assistance for staff.
Read moreClient Repayment App
Borrower repayment schedules, request tracking, statements, and messages in one client-facing app.
Read moreCDS data-readiness preview
A human-readable XLSX preview of recent application, approved-term and repayment data, with warnings. It is not the official CRP format and must not be submitted.
Read moreeKYC & identity verification
Today the product records identity fields and supporting documents for staff review. Automated HKID extraction, liveness and iAM Smart are roadmap items.
Read the eKYC procurement guideUN sanctions screening
Screens applicants and existing borrowers against the UN Security Council Consolidated List, rescreens when the list changes and records named human decisions. No PEP or general watchlist screening.
See AML implementationRules engine & scoring
Runs built-in individual and SME scorecards for affordability, evidence, delinquency and exposure, then presents reason codes and review triggers to an authorised person. There is no no-code rule builder.
See rules implementationBorrower background screening
A procurement guide to what a Hong Kong lender may review and where the legal boundaries sit. Covenant Desk currently provides UN sanctions screening only; it does not automate court, company, insolvency, adverse-media or CRA searches.
See what can be checkedPrintable documents & e-signature roadmap
Generates printable agreements, statements and receipts and audits downloads. Editable templates, online signer authentication and signed-copy storage are not available today.
Read the e-signature procurement guide
What we build
Fintech software, and the systems around it.
Covenant Desk is a Hong Kong software company for financial businesses. We build custom systems, ship ready-to-deploy products, and run the web and demand work that puts them in front of the right customers.
Custom financial software
Systems designed around how your business already works — internal tools, staff portals, customer portals and back-office automation, built and maintained by us.
Credit applications, scoring and anti-fraud
For custom builds, we design application intake, identity and document workflows, configurable scoring and decision rules, and fraud controls around the client's requirements. Covenant Desk Lending's current product scope is listed separately.
Loans, billing, payments and collections
Loan servicing and repayment schedules, billing runs, payment capture and a structured collections workflow instead of spreadsheets and reminders.
CRM, BI and reporting
Customer records, pipeline and case management, operational dashboards and management reporting built on your own data rather than exported copies.
APIs, integrations, bots and AI
Connections to the systems you already run, messaging and workflow bots, and AI-assisted review that leaves the final decision with a named person.
Web, SEO, GEO and digital marketing
Website development, search optimisation, generative-engine optimisation so AI answers cite you correctly, digital marketing and sales support.
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
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 Risk Commentary
Adds optional risk commentary and underwriting hints beside the built-in scorecard and source records for staff review.
Explore AI risk commentary
02
Management Copilot
Lets staff ask plain-language questions about a borrower, entity, or portfolio using live portal data.
Explore Management Copilot
03
Email Intake Assistance
Uses known patterns with an AI fallback to help capture inbound enquiry content and attachments for staff review.
Explore email intake assistance
04
Collections Drafts
Drafts collections messages for staff to verify and send; it does not contact borrowers autonomously.
Explore collections drafts
05
Prompt Controls
Lets authorised administrators manage the instructions used by optional staff-facing AI features.
Explore prompt controls
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 instructions and payment claims, application status, statements and secure messaging, connected to the records staff use in the management portal. eDDA autopay is coming soon.
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 soon
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.
Hong Kong lending software guides
Research guides for Hong Kong lending and compliance teams.
Fourteen in-depth guides covering credit data, LOS, LMS, eKYC, AML, credit scoring and rules, electronic signing, borrower background screening, billing and repayment, data security, AI in lending, compliance reporting, lender software selection and Credit Data Smart readiness.
All fourteen guides are available in Hong Kong English and Traditional Chinese.
Credit Data Smart (CDS) readiness guide for 1 June 2027
What licensed money lenders should prepare before the proposed Credit Data Smart rules take effect on 1 June 2027, including the record fields to structure now.
Borrower background checks in Hong Kong
Why criminal records are not searchable by a third party, and what is: judgments, directorships, insolvency, enforcement, adverse media, sanctions and repayment history.
Free screening checklist
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
eKYC software for Hong Kong lenders
A procurement checklist for HKID capture, liveness, iAM Smart, exception review and privacy. Covenant Desk automated eKYC is not available today.
Free eKYC checklist
AML screening software for Hong Kong lenders
A procurement checklist for PEP, sanctions and watchlist controls. Covenant Desk currently provides UN sanctions screening only.
Free AML control checklist
Credit scoring and lending rules engines
Eligibility, affordability, DSR, exposure, scorecards, reason codes, version control and human approval.
Free rules-engine checklist
Electronic signatures for Hong Kong loan agreements
A procurement checklist for templates, signer authentication, consent and audit evidence. Covenant Desk online signing is not available today.
Free signing-evidence checklist
Loan billing and repayment operations
Instalment schedules, interest calculation, billing runs, payment allocation, arrears ageing and bank reconciliation on one loan record.
Free reconciliation checklist
Lending data security and access control
Role and company scoping, an audit trail that records reads, masked identifiers, encryption and controlled integrations.
Free access-control checklist
AI in Hong Kong lending operations
A guide to AI control boundaries. Covenant Desk currently offers staff Copilot, underwriting hints, risk commentary and collections drafts; document extraction is not live.
Free AI review checklist
Lending compliance and regulatory reporting
Turning licensing conditions, PDPO duties, AML obligations and reporting into controls that produce evidence inside the workflow.
Free compliance control checklist
See all Hong Kong lending software guides in the resource hub · Custom financial operations software
No. Covenant Desk is lending operations software. Participating lenders provide actual terms and make all lending decisions.
As of 26 August 2026, it is the aggregate number of borrower records managed across corporate clients using Covenant Desk Lending. It is not attributable to any single client, does not mean every record is an active borrower or direct software user, and client identities remain confidential.
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.
The rollout is scoped to your companies, users, data sources and enabled workflows. Product and role configuration can be quick, while migration timing depends on the condition and export format of your current records. The demo defines the implementation scope and sequence.
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 holds your borrower records in its own database, and imports what you already hold elsewhere so search, exposure and repayment visibility work from day one.
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 proposed CDS rules dated 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.
Single company, Cross-company and Federation are all custom quoted. The quote covers company scope, staff seats, loan records, migration and implementation. AI, bots and other add-ons keep the separate prices shown in the configurator.
Scope → Design → Build → Scale covers configuration, source-system connection and any portfolio migration, with timing agreed for your operation.
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.
