The AI lending
system for banks

No. Covenant Desk is software for banks and lenders. Your institution sets the terms, and your credit officers approve every lending decision.

As of 26 August 2026, it is the aggregate number of borrower records managed across corporate clients using the Covenant Desk platform. It is not attributable to any single client, does not mean every record is an active borrower or direct software user, and client identities remain confidential.

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.

The rollout is scoped to your companies, users, data sources and enabled workflows. Product and role configuration can be quick, while migration timing depends on the condition and export format of your current records. The demo defines the implementation scope and sequence.

Use the demo to map user roles, company access, borrower consent points, and what data each team should see before production setup.

Covenant Desk integrates with the core banking, loan and ledger systems you already run, through APIs or file exchange, and syncs borrower and loan records into a company-owned database so search, exposure and repayment visibility work from day one. It also includes its own core banking engine for lending, so you can adopt it as the lending core or run it beside your existing core.

Yes. Many institutions 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 proposed CDS rules dated 1 June 2027. Lenders remain responsible for submission and regulatory interpretation.

The AI banking agent works from the same borrower records in the portal. It reads documents, drafts memos and letters, summarises files and raises early-warning flags, and writes the results back into the review trail. Every action is logged and permissioned: AI prepares the decision and your credit officers approve it.

Book a personalised demo built around your own workflows. We then scope the rollout with you: entities, users, data sources, integrations, migration and the workflows you switch on, and your team tests it before go-live.