The system your lending business runs on. Enquiries, identity records and documents, built-in risk checks, human decisions, printable agreements, repayments and collections — one loan, one record.
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 is a complete system with its own database, not a layer over something else. Whatever you hold today — in Softmedia, in TE Credit, in spreadsheets — imports into it, and your staff get one screen for the work with every step recorded as it happens.
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.
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 fields, supporting documents and sanctions-screening results stay with the borrower record for staff review.
Built-in scorecards assemble the context and surface reasons; a person still makes the call.
Printable agreements, statements and receipts are generated from the recorded loan data, with downloads written to the audit trail.
Repayment work stops being a spreadsheet. Overdue and upcoming sit together, ordered by what actually needs attention.
Optional staff-facing AI adds portfolio answers, underwriting hints, risk commentary and collections drafts alongside the source records.
Choose the scope that fits your lending operation. Portal software, seats, records, migration and implementation are custom quoted. AI, bots and the other add-ons keep their separate published prices.
Single company
Cross-company
Federation
WhatsApp and email screening are add-ons on every plan and keep their separate published prices; AI review, verification, accounting sync and a TransUnion connection are coming soon.
Choose a plan, add WhatsApp or email screening, and send the configuration for a quote — 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. No — it becomes your loan system. Covenant Desk Lending has its own database and does not depend on anything else running underneath it. If you are on Softmedia, TE Credit or spreadsheets today, we import those records so you keep your history, and the two can run side by side while you move across at your own pace.
After the scope and custom quote are agreed, we create your workspace and first staff access as part of implementation. 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 Cross-company 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. Three companies are included; beyond that the scope is quoted on a call.
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.
Covenant Desk can produce a human-readable XLSX readiness preview of recent application, approved-term and repayment records and flag data issues. The official CRP wire format is not implemented, and the preview must not be submitted. Your team must verify the official specification and remains responsible for submission. A free readiness assessment is available on the site.
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. Optional staff-facing AI provides Copilot answers, underwriting hints, risk commentary and collections drafts. A named person verifies the output and makes the decision. Document-to-field extraction and a borrower-facing AI assistant are not available today.
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.
Portal software is custom quoted across Single company, Cross-company and Federation. We price the company scope, users, records, migration and implementation together. AI, bots and the other add-ons keep the separate prices shown in the configurator.
