Run your lending operationfrom one management portal.
Covenant Desk helps licensed money lenders accept loans, service repayments, and oversee portfolios in one permission-scoped management portal — with Customer 360 search, cross-company exposure, inquiries inbox routing, AI-assisted review, and CDS-ready records without spreadsheets or side tools.
Used by lending companies and supporting 25,000+ client records across connected lending operations.
Records across connected lender operations; not all borrowers use the client app.
PDPOcompliance-aligned access and consent controlsCDSreporting-ready loan data from 25 June 20273-in-1management portal, staff app, client appAIcredit, email, document and prompt workflows
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.
Grand Finance
KK Credit Limited
Wah Wei Credit Limited
Every Success Credit
Rich Eagle Capital
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.
01
Today: fragmented tools
Excel trackers and manual repayment lists
One loan ledger per company, no group view
Enquiries lost across email and messaging apps
02
The operational pain
No single borrower view before approval
Cross-company exposure checked manually
Overdue follow-up without a shared queue
03
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.
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.
Management PortalSample view
1Overdue
0Upcoming
25k+Records
Company exposure
A
B
C
D
E
StatusClientCompany
OverdueCHAN T***Lender A
01Customer 360 shows connected company exposure
Staff review active and historical loans across affiliated companies before approval or follow-up.
02Inquiries inbox routes intake to the right queue
New prospects, returning clients, and unidentified enquiries land in one triage workflow.
03Repayment follow-up gets an operating queue
Overdue and upcoming notices are easier to prioritise when visible together.
04Operations run inside the management portal
Search, profiles, documents, repayment work, and AI-assisted review stay in one audited workspace.
05Multi-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.
Foundation
Portal + Database
One shared portal, one borrower database, and one audit trail for authorised staff across connected lender companies.
AI Layer
Five AI capabilities, one audit trail
Each AI reads from the same borrower records and writes back into the same review trail, reducing copy-paste between systems.
01
AI Credit Analyst
Summarises loan history, repayment behaviour, overdue status, and risk signals for staff review.
02
Agentic AI Assistant
Lets staff ask plain-language questions about a borrower, entity, or portfolio using live portal data.
03
AI Email Processing
Parses incoming enquiries into structured records and routes them into the inquiries inbox.
04
AI Document Processing
Classifies borrower attachments, contracts, and case files into searchable borrower profiles.
05
AI Prompt Management
Gives operations teams admin-level control over summary format, emphasis, and risk flags.
Client app visibility
Borrowers manage loans,repayments, and messages
in one client app.
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.
Borrowers access active loans, next payment, and repayment progress.
02Repay
FPS pay-now and eDDA autopay instructions keep repayment inside the portal workflow.
03Track
Loan status, statements, and open requests stay visible without phone follow-up.
04Message
Secure borrower-to-staff messaging connects to the same loan record staff review daily.
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.
01
Platform role
Covenant Desk is lending operations software. It does not provide loans, hold funds, or sign loan agreements.
02
Lender decisions
Participating lenders provide actual terms and make credit and approval decisions under their own policies.
03
Role-scoped access
Borrower and company records are scoped by role, company, and permission; sensitive outputs are designed for human review.
04
PDPO compliance & CDS reporting
Covenant Desk applies PDPO-aligned access, consent, and audit controls, and helps lenders prepare CDS-reportable application, approved terms, and repayment records for the rules effective 25 June 2027.
05
HKID access and audit
Exact-HKID lookup for cross-company views is permission-scoped and audit-logged. Phone numbers are masked across the portal.
06
CDS record preparation
Covenant Desk structures application, approved terms, and repayment data for lender export — lenders remain responsible for CDS submission.
07
Licensed lender boundaries
Covenant Desk supports licensed money lender operations under Hong Kong regulatory context. Affordability checks and lending decisions stay with the lender.
08
Easy transition and data integration
Covenant Desk helps teams transition from Softmedia or TE Credit by syncing existing borrower, loan, and repayment records into the management portal.
Plans for licensed lenders
Start with the right demo conversation.
01
Connection
Connect one lender operation.
HK$15,000HK$2,000 / month guide02
Operations
Run a connected lender team.
HK$35,000HK$4,000 / month guide03
Platform
Build a multi-entity platform.
HK$60,000HK$8,000 / month guide
CapabilityConnectionOperationsPlatform
Connected lender operations1Up to 5Custom
Inbound request inboxProfile onlyIncludedIncluded
Management portalBasicTeam workflowMulti-entity
Client app and borrower visibilityDiscussIncludedCustom
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 25 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.
Connection covers one lender operation with basic portal access. Operations adds team workflow, inbound request inbox, client app visibility, and implementation support for up to five connected operations. Use the demo to map which plan fits your group structure.
Demo to rollout
A clear path from sales call to connected operation.
Covenant Desk can be enabled right away for your team. The demo confirms which modules, roles, company views, and source records to turn on first.
Map record sources, user roles, borrower consent points, and privacy-safe preview data.
03Build
Pilot operation
Connect the first workflow, validate staff handoff, and tune the lender review queue.
04Scale
Scale the platform
Add entities, client-app journeys, repayment operations, and AI-assisted review controls.
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.
Get started
Ready to see Covenant Desk in your lending operation?
Schedule a personalized demo of the management portal, inquiries inbox, repayment operations, and AI-assisted review.
