The system your lending business runs on. Enquiries, identity checks, credit decisions, agreements, repayments and collections — one loan, one record, from first contact to final payment.
Most lenders run a single loan across four or five places: a spreadsheet for the pipeline, a ledger for the balances, WhatsApp for the borrower, email for the documents, and somebody’s memory for the rest. When a client calls, it takes three people to answer a simple question.
Covenant Desk Lending puts the whole thing in one place. It sits on top of the loan ledger you already run — it does not replace Softmedia or your core system — and gives your staff one screen for the work, with every step recorded as it happens.
Each stage below is implemented and in use — not a roadmap. The result and the evidence behind it stay attached to the borrower and the loan.
New enquiries and returning clients arrive through whichever channel they prefer. They all end up in the same queue.
Identity and screening run as part of the application, and the outcome is filed against the borrower rather than emailed around.
Scoring and rules are yours to configure. The system assembles the context; a person still makes the call.
Agreements come out of your own templates, get signed electronically, and stay attached to the loan they belong to.
Repayment work stops being a spreadsheet. Overdue and upcoming sit together, ordered by what actually needs attention.
The paperwork gets read and summarised so your staff spend their time on judgement instead of retyping.
One search box finds a borrower by HKID, name, phone or loan number, across every company you run. Open them and the whole relationship is on one page: current loans, past loans, documents, payments, notes, and who did what.
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
Growth
Federation
Choose a bundle, add AI, bots, and portal functions, and check out securely — or book a demo call first. You can do both.
If yours is not here, ask it on the demo — we would rather answer it before you buy.
Book a demoNo. It runs on top of the ledger you already use. Borrower, loan, overdue and notice data syncs across from connected Softmedia or TE Credit instances, and your core system keeps doing what it does. Replacing it is a separate conversation, not a requirement.
About 15 minutes to get into your own workspace: buy a plan, receive your portal link, register your first staff user. That is account setup, not migration. Configuring products, roles and company scope is usually same-day or a short implementation. Moving an existing portfolio across depends on the state of your current records, and the demo scopes it.
Yes — that is what the Federation plan is for. One login covers connected entities, staff are scoped to their own company, and owners can see the group. A borrower search returns one row per person with their loans across every company, so you can see total exposure before approving another facility.
Scheduled and manual sync pulls it from your connected source systems, and spreadsheet import handles migration and one-off loading. Every connection starts with source mapping, so the demo should confirm your company entities, instances and field mappings before anything moves.
Applications, approved terms and repayment history are structured into CDS-ready exports ahead of the rules effective 1 June 2027. Covenant Desk does not operate Credit Data Smart and does not submit on your behalf — the submission stays with the lender. There is a free readiness assessment on the site if you want to score where you stand today.
Roles mirror how lending teams are actually organised: admins see the group, managers and staff are scoped to their own company with controlled cross-company visibility. Exact-HKID lookups across companies are permission-scoped and audit-logged, and phone numbers are masked throughout the portal.
No. It reads documents, extracts figures into fields, and writes a case summary that cites where each number came from. A named person reviews it and makes the decision, and that sign-off is recorded. Nothing is approved without a human.
Yes. Borrowers get a view of their own loans, balances, repayment schedule and messages, and can pay using lender-specific FPS references. Funds move through your own account; the system tracks intent and reconciliation context.
From HK$2,000 per month for one lending company with three staff seats and no setup fee. Growth is HK$5,500 per month plus a HK$5,000 setup, Federation is HK$14,000 per month plus HK$20,000. Extra seats are HK$1,000 one-time each. The full comparison is above, and you can buy online without a sales call.
