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.

Proudly backed by

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.

Feature Image

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.

Feature Image

Risk Analysis Module

The AI system identifies high-risk loans by factoring borrower's 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.

Feature Image

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.

Feature Image

Additional Features

Template Image

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.

Template Image

Integrations with market intelligence platforms and data rooms.

Integration with various third-party systems streamlines document compilation from diverse sources, thereby boosting efficiency

Template Image

Calendar view of all events.

The calendar view provides a clear overview of all historical and upcoming relevant events, including disbursement and repayment dates.

Template Image

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.

Template Image

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.

Template Image

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.

Know More

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.

Know More

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 client's needs with confidence.

Know More

Frequently asked questions

How does LMS assist in covenant tracking?

LMS provides robust covenant tracking capabilities, allowing users to monitor compliance with loan agreements and obligations. It enables automatic notifications and alerts for upcoming covenant deadlines, ensuring proactive management and adherence to terms.

How does the Data Management feature work in the Binocs software?

Does Binocs customize software to specific business requirements?

What types of analyses can be performed using AI in LMS?