Customer 360 across your companies
Applications, loans, repayments, documents, messages and permitted cross-company exposure appear around one borrower record.
為何選擇 Covenant Desk
由系統承擔營運上的重活，讓團隊不必再手動處理。
One borrower record across application intake, rules-based risk review, human approval, servicing, repayments, borrower self-service, management reporting and optional staff-facing AI.
概覽
經營貸款業務之中，功能清單上看不見的那些工作。
Most of what slows a licensed lender down is the surrounding work: switching between inboxes, spreadsheets and separate company records, finding the borrower behind a payment, reconstructing an approval reason and answering routine borrower questions.
Covenant Desk connects that work in six practical areas: Customer 360 and multi-company access, controlled intake and human approval, built-in scorecards, servicing and reconciliation, borrower web self-service, and import, reporting and audit tools.
Intake through human approval
Web, email, WhatsApp and staff-entered intake feed assignable queues, built-in risk checks and an explicit authorised decision.
Repayment and borrower self-service
Schedules, FPS instructions and claims, reconciliation, arrears, statements and secure messages stay connected after disbursement.
優勢
Six live advantages in day-to-day lending work.
These are current product capabilities. Roadmap items are stated separately rather than folded into the list.
Customer 360 and multi-company control
Authorised staff can review applications, loans, repayments, documents and messages from one borrower profile, with company-scoped access and audited cross-company exposure checks where permitted.
Controlled intake and human approval
Web, email, fixed-question WhatsApp and staff-entered applications reach one queue. Staff collect documents, review the case, record terms and retain the named human approval or exception reason.
Built-in scorecards with explainable reasons
Individual and SME scorecards check affordability, evidence gaps, delinquency and exposure, then surface hard stops, review triggers, grade caps and reason codes. Policy constants are currently implemented in code, not a no-code rule builder.
Repayment and reconciliation operations
Schedules, instalments, FPS instructions and repayment claims, unmatched-payment handling, arrears queues, notices and settlement run against the same loan record. Covenant Desk never holds or moves funds.
Borrower web app
Borrowers can see loan details, schedules and statements, follow FPS instructions, submit repayment claims, exchange secure messages, provide requested documents and track application status. eDDA autopay is coming soon.
Imports, reports and audit evidence
Move records from agreed Softmedia exports, Excel or CSV in stages, run management and operational reports, and retain access, change, approval and export events. CRA and Credit Data Smart connectivity are not available today.
人工智能詳解
What the optional staff-facing AI actually does.
AI remains decision-support. Staff verify its output, and approval, rejection and pricing stay with the lender.
AI 助理
員工可在系統內以日常語言提問——借款人狀態、跨公司風險敞口、逾期通知——並取得以即時系統資料為來源的答案。
Underwriting hints
Optional hints sit alongside built-in scorecard results and source records so staff can consider them without confusing model output with the official decision.
AI risk commentary
Staff can generate risk commentary for review while the rules-based assessment, source data and named human decision remain visible.
Email-intake assistance
Inbound email intake uses known patterns with an AI fallback to help capture message content and attachments for staff review.
Collections drafts
AI can draft collections messages for staff to check and send. It does not contact borrowers autonomously. Document-to-field extraction and a borrower-facing AI assistant are not available today.