Product overview
A lending operations platform for connected lender teams.
Covenant Desk connects existing loan-system data, staff workflows, borrower self-service, repayment operations, intake, AI-assisted review, reporting, and audit controls in one permission-scoped operating layer.
What it does
A working portal around the lender's real borrower records.
Covenant Desk is designed for Hong Kong licensed money lenders that need one place to review borrowers, coordinate intake, service repayments, and oversee staff activity across one or more companies. It overlays existing source systems such as Softmedia rather than forcing every workflow to move on day one.
Platform map
From source systems to daily lender workflows.
The product keeps the lender's source of truth visible while giving staff a more usable operating layer for review, follow-up, and oversight.
Source systems
Softmedia sync, Excel import, email intake, WhatsApp intake, and staff manual entry.
Unified records
CustomerRecord, Loan, SoftmediaNotice, InboundLead, RepaymentIntent, messages, audit, and user permissions.
Staff workflows
Dashboard, search results, Customer 360, overdue feed, intake queue, messages, payments, admin.
Borrower self-service
Client dashboard, loan detail, FPS QR, autopay readiness, request status, statements, account controls.
Review and reporting
AI summaries, Copilot database tools, management exports, sync health, audit trail, CDS-ready records.
Modules
The product is sold as workflows your team can enable in phases.
Management Portal
Customer 360, global search, cross-company exposure, RBAC, audit logs, admin, sync monitoring, and management reports.
Repayment Operations
Overdue and upcoming notices, match confidence, priority queues, dashboard KPIs, manual sync, and borrower profile links.
AI Review Layer
Borrower risk summaries, Copilot database tools, AI email/document extraction, prompt management, and governed edits.
Client Repayment App
Borrower login, loan schedules, FPS repay-now, autopay readiness, request tracking, statements, messages, and account controls.
Marketplace Intake
Lender directory, selected-lender consent, loan request forms, manual intake, WhatsApp/email intake, and approval queue.
Implementation Layer
Workflow mapping, source connection, company scoping, staff onboarding, pilot launch, and phased expansion.
Role views
Each role gets a different operating surface.
Owner / operator
Reviews portfolio activity, connected companies, user access, management exports, rollout progress, and add-on scope.
Operations manager
Works repayment notice queues, sync health, follow-up status, staff workload, messages, and exceptions.
Credit reviewer
Searches HKID, opens Customer 360, checks DSR and credit reference modules, reviews exposure, and compares AI support with raw records.
Borrower
Sees active loans, instalments, FPS QR, request status, lender messages, statements, and account controls in the client app.
Product boundaries
Software layer, not lender decisioning.
Covenant Desk is lending operations software. It does not provide loans, hold funds, sign loan agreements, set final terms, or make credit decisions. Participating lenders provide actual terms and make all lending decisions under their own policies.
- 01Human review - AI outputs are decision-support tools and must be reviewed by authorized staff.
- 02Scoped data - borrower and company records are scoped by role, company, permission, consent, and audit controls.
- 03Existing systems - source systems remain visible; Covenant Desk overlays and organizes the operating workflow.