Complete Loan Management Software for Institutional Lending
A reliable portfolio tracking software for asset managers and borrowers providing covenant, cashflow, and ESG tracking. Additionally, Binocs provides bespoke financial models customized to meet the specific needs and requirements of Portfolio Managers.
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Features
The most modern and secured tech stack to manage your entire workflow, so you get to focus on key decision-making.
Portfolio Tracking and Early Warning System
Efficiently oversee your entire loan book as a lender, such as tracking live updates of the latest portfolio. Get early warnings about the borrower's health, including a summary of breached and overdue covenants and payments, enabling early detection of potential risks.
AI-powered Covenants and ESG Tracking
The Binocs AI system automatically monitors covenants by analyzing the uploaded financial documents, thereby eliminating the need for manual data uploading and calculation of various financial ratios. Additionally, it promptly highlights any breaches detected.
Risk Analysis Module
The AI system identifies high-risk loans by factoring borrowers' financial health, and credit history, assessing the creditworthiness of borrowers, making it easy to anticipate potential risks. Gain insight into cash flow projections by monitoring all past and upcoming loan repayments, and tailor risk assessment to specific criteria and preferences.
Digitization of Loans using AI
The software digitally extracts details from the Credit Agreement, encompassing all covenant terms, loan amounts, interest rates, tenure, collateral information, and borrower details, thereby eliminating the need for manual data entry. Additionally, conveniently view these details in a calendar format, providing a clear overview of all relevant events, including disbursement and repayment dates.
Additional Features
Automated notifications and reminders to counterparties.
Asset Managers can send timely notifications and reminders to borrowers for sending repayment and reports while maintaining all communication trails.
Integrations with market intelligence platforms and data rooms.
Integration with various third-party systems streamlines document compilation from diverse sources, thereby boosting efficiency
Calendar view of all events.
The calendar view provides a clear overview of all historical and upcoming relevant events, including disbursement and repayment dates.
Bespoke financial modeling for parameterized cash-flow projections.
We offer customization options for ratios and capital structure, ensuring precise financial analyses are aligned with your needs.
Coordinate with co-lenders for syndicated loans.
Smooth collaboration among co-lenders with centralized communication and document management. Lenders can efficiently coordinate loan syndication processes.
Central Communication for All Stakeholders
Centralized communication, workflow, and document-sharing platform between lenders, co-lenders, borrowers, agents, intermediaries, service providers, investors, and advisors.
Who we serve?
Asset Managers
Administer portfolio borrowers efficiently to mitigate risk.
Lenders can track the entire loan book to make better credit decisions. Proactively monitor covenants and ESG, to ensure compliance by sending notifications and reminders to borrowers.
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Borrowers
Prevent defaulting on covenants to avoid penalties.
Borrowers get a unified platform for management of all their lenders. Easily report all covenants, get early notifications and alerts to never miss a payment, and avoid significant penalties.
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Service Providers
Empowering the legal and accounts team to administer the credit agreements.
Lawyers, auditors, and administrative agents can easily access and review covenant reports, and financial documents to support clients' needs with confidence.
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Administer portfolio borrowers efficiently to mitigate risk.
Lenders can track the entire loan book to make better credit decisions. Proactively monitor covenants and ESG, to ensure compliance by sending notifications and reminders to borrowers.
Know More
Prevent defaulting on covenants to avoid penalties.
Borrowers get a unified platform for management of all their lenders. Easily report all covenants, get early notifications and alerts to never miss a payment, and avoid significant penalties.
Know More
Empowering the legal and accounts team to administer the credit agreements.
Lawyers, auditors, and administrative agents can easily access and review covenant reports, and financial documents to support clients' needs with confidence.
Know More