CDS reporting, handled continuously
Application, approved terms, and repayment records are structured into CDS-ready exports as your team works — not compiled by hand ahead of a deadline.
Why Covenant Desk
Built to carry the operational weight, so your team doesn't have to.
CDS reporting prepared for you, an end-to-end loan origination system, PDPO-aligned controls, native AI across every workflow, a borrower portal on web and native app, and a CRA data pipeline including TransUnion — one platform, not a stack of add-ons.
Overview
The parts of running a lending operation that don't show up on a features list.
Most of what slows a licensed lender down isn't loan logic — it's the surrounding work: compiling CDS filings by hand, chasing borrower documents in whatever format they arrive, and stitching together a credit bureau pull outside the system of record. Covenant Desk is built to absorb that work directly, rather than leaving it for your team to manage around the platform.
That shows up in six places: compliance-ready reporting, a loan origination system that covers intake through disbursement, PDPO-aligned data handling, AI that sits inside every workflow instead of being a separate tool, a borrower-facing portal on both web and native app, and a direct data pipeline into credit reference agencies like TransUnion.
End-to-end loan origination
One system covers intake, underwriting, approval, and disbursement, so origination doesn't live across spreadsheets, inboxes, and messaging apps.
AI inside the workflow, not bolted on
Credit analysis, document intake, email parsing, and borrower messaging are AI-assisted natively across the portal — not a separate tool your team switches into.
Advantages
What Covenant Desk takes off your team's plate.
Six areas where the platform does the operational work directly, rather than leaving it to spreadsheets, manual compilation, or a separate vendor.
CDS reporting, prepared for you
Covenant Desk continuously structures application, approved-terms, and repayment data into CDS-ready exports ahead of the 1 June 2027 reporting rules, so your team isn't compiling filings manually. Your company profile can hand that export straight to your accountant or CDS consultant — no separate data pull needed.
End-to-end loan origination system
Inquiries inbox, underwriting, approval with terms, and disbursement run in one workflow instead of across Excel trackers and per-company ledgers. Covenant Desk overlays your existing loan ledger — it doesn't replace Softmedia or your core loan system.
PDPO-aligned by design
Access, consent, and audit controls follow Hong Kong's Personal Data (Privacy) Ordinance throughout the portal — role-scoped records, masked phone numbers, and audit-logged HKID lookups across every company a user can see.
Native AI across the platform
AI Copilot, AI Credit Analyst, a WhatsApp and in-portal messaging assistant, email intake parsing, and document processing all run natively inside Covenant Desk — grounded in your real borrower data, not a bolt-on chat widget.
Borrower portal — web and native app
Borrowers get the same loan status, statements, and repayment tools whether they're on the web client or a native app, so client-facing access isn't limited to one channel.
CRA data pipeline, including TransUnion
Connect a TransUnion feed — or another credit reference agency your company already holds an account with — and Covenant Desk provides the integration infrastructure to bring that data into the same borrower record your team already works from.
AI, in detail
Five AI capabilities, one shared borrower record.
Each one reads from and writes back to the same portal data — nothing here runs on a separate copy of your records.
AI Copilot
An in-portal assistant staff can ask plain-language questions — borrower status, cross-company exposure, overdue notices — and get answers sourced from live portal data.
AI Credit Analyst
Scores and summarises loan history, repayment behaviour, and risk signals on demand, so staff start review with a structured read instead of a blank profile.
AI customer assistant
Handles borrower conversations over WhatsApp and in-portal messaging — screening enquiries and answering routine questions before they need a staff reply.
AI email intake
Reads inbound applications and enquiries, extracts the structured fields, and routes them into the inquiries inbox as a lead ready for staff review.
AI document processing
Drop a document into the upload panel on the client intake page — PDF, TXT, or another supported format — and AI reads it and writes the extracted data straight into the borrower's record, no manual retyping.