Private Credit Software With Covenants, Agency, and Monitoring Built In

timveroOS delivers explainable private credit.

One platform for every deal: faster IC cycles, auditable covenants, clean agency settlements, and fund-level allocations. Sponsors, borrowers, co-investors, and SPVs are modeled natively, with waterfalls and monitoring dashboards built in. You gain speed and control without lock-in: your environment, your rules, your portfolio.

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1

Stages

Private Credit Journeys Designed for Speed, Control, and Compliance

From sponsor pipeline to portfolio monitoring, timveroOS connects every stage of private credit. Investment policies, covenants, and committee workflows run as configurable code, giving lenders faster approvals, explainable decisions, and clean audit trails, while reducing manual work and scaling without vendor ceilings.

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Capture sponsor pipelines with NDA gating and teaser data. Term sheets for unitranche, senior, mezzanine, OID, or PIK are standardized with collateral packages. Mandate filters, exposure, and concentration limits run as code, screening deals upfront. IC-ready packs are generated automatically, with versioned comments and audit logs preserving decision context.

Model normalized EBITDA, add-backs, leverage, and coverage tests under multiple scenarios. Encode covenants, baskets, and triggers as governed policies. Integrate financials, bureaus, and collateral appraisals directly into timveroOS. IC decks and minutes are produced with full input provenance, giving committees evidence-based clarity and faster time-to-close.

Generate closing documents from a clause library covering credit, intercreditor, and fee terms. Capture CPs, funding approvals, and agency workflows: rate settings, notices, participations, and co-invest allocations. Multi-currency schedules post directly to GL, while lenders and borrowers access portals for settlements, allocations, and documents with complete auditability.

Automate interest accruals (cash/PIK), fees, notices, and settlements. Covenant certificates and borrower reporting feed automated testing, with early-warning alerts on breaches. Manage amendments and waivers through scenario modeling and governed approvals. Dashboards track exposure, concentrations, FX, and valuation marks, providing CIOs with transparency to inform decisions and LP/BDC reporting.

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Architecture

Framework-Native Architecture for Complex Private Credit Deals

The TIMVERO platform models sponsors, borrowers, and co-lenders, along with funds, SPVs, facilities, and tranches. Raw and featured financials, covenants, and document sets are captured natively. Configurable flows – pipeline, underwrite, close, amend, and monitor – assemble unitranche, mezzanine, and club deals. You launch faster while retaining full extensibility in code and integrations.

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Technology

Why timveroOS for Private Credit

Covenants, baskets, and eligibility rules are authored as policies-as-code in timveroOS. Investment committee packs, scenarios, and minutes are generated with explainable logic and versioned inputs, helping ensure consistency. Overrides are governed, so committees can move faster while maintaining transparency, auditability, and alignment with investment mandates.

Faster IC cycles with covenants encoded as code

Agency tasks—rate settings, notices, waterfalls, and settlements—run as governed flows in timveroOS. Participations and co-invest allocations are managed across funds and SPVs, with clean GL posting and traceable reconciliations. Lenders, investors, and borrowers benefit from consistent data, while operations teams streamline manual steps and bolster compliance evidence.

Clean agency operations and transparent participations

Compliance certificates, borrower reporting, and covenant testing are captured natively, with automated alerts for breaches or variances. Dashboards visualize exposures, concentrations, FX positions, and valuation marks. CIOs, risk teams, and fund controllers get portfolio-grade reporting for IC and LP/BDC disclosures, reducing surprises while supporting transparent governance and regulatory alignment.

Portfolio monitoring with early-warning insightsUnderwriting

AI That Accelerates IC and Protects the Portfolio

AI in timveroOS scores sponsor and borrower risk, predicts covenant-breach probability, and models cash versus PIK coverage under multiple scenarios. It flags anomalous adjustments or reporting gaps early, helping committees act with confidence. Models train in your environment on portfolio and financial data, remaining explainable, auditable, and aligned with governance.

Early warnings on likely covenant breaches

Risk scoring that prioritizes sponsors and borrowers

Coverage forecasts that stress test cash vs. PIK toggles

Amendment predictions that improve recovery outcomes

Facilitating collaboration among risk, product, marketing, and finance teams, our platform fosters swift and significant business enhancements. Manage loan portfolio risks effectively, identify upsell opportunities and craft high-ROI marketing strategies with timveroOS analytics. Transform your private debt operations into a data-driven powerhouse for sustained growth and profitability.

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We work with

TIMVERO Customers
in Private Credit Area

Direct Lenders &
Private Credit Funds

Stand up unitranche, senior, or mezzanine facilities with covenants coded as policy, IC packs auto-assembled, and agency ops running cleanly. Connect timveroOS to CRM, data vendors, and GL systems. Gain faster closes, explainable governance, and portfolio-grade monitoring without vendor ceilings.

BDCs & Asset-
Manager Debt Arms

Manage multi-fund and SPV allocations, co-investments, and participations with automated waterfalls and FX support. timveroOS streamlines settlements, valuations, and BDC/LP reporting. Audit-ready data and dashboards give clarity to boards, regulators, and investors while you retain full control of your environment.

Specialty Finance & Bank Private-Credit Desks

Run sponsor-backed and club deals with intercreditor workflows, amendments, and waivers governed as code. Automate rate settings, notices, and allocations while monitoring exposures and covenants in real time. timveroOS helps ensure compliance and reporting while giving you freedom to evolve your products quickly.

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Testimonials

Customer reviews

A mid-market private credit fund replaced manual IC prep with timveroOS. Covenants and baskets became executable rules, IC decks auto-assembled, and approvals tracked in minutes.

“Our IC cycles shrank dramatically. Covenants are now explainable, consistent, and transparent for committees.”

Sam
Head of Private Credit, USA

A BDC automated notices, rate settings, and waterfall allocations on timveroOS. Reconciliations posted cleanly to GL, and SPV participations became transparent.

“Agency ops now run without friction. Allocations and settlements are automated, auditable, and always in our control.”

Claire
COO, Belgium

An asset manager plugged portfolio data into timveroOS AI. Early-warning signals flagged covenant risks and FX exposures, guiding amendment decisions.

“We now catch breaches earlier and make amendments with confidence. AI alerts improved portfolio outcomes without adding complexity.”

Markus
CIO, Canada

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Solutions B2B

Solutions for any lending type

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Framework-native

Build, Govern, and Scale without SaaS limits

Private credit isn’t generic lending, but sponsor pipelines, covenants, waterfalls, and complex multi-fund structures. The timveroOS platform by TIMVERO gives you a framework-native LMS: modules and SDKs to assemble your own system, in your environment. You govern covenants as code, automate agency ops, and scale products without vendor ceilings.

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Next steps

Get a demo

Private credit teams that move faster in IC, streamline agency operations, and monitor portfolios with precision gain a decisive edge. With timveroOS, you assemble your own system: covenants, waterfalls, and reporting built in, audit-ready, and fully under your control.

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Upgrade your loan management system for small businesses and large enterprises in just 3 months.

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