Pipeline Discipline With Automated Mandate Filters

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.
IC Confidence With Explainable Underwriting

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.
Agency Operations That Run Without Friction

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.
Portfolio Monitoring That Protects Downside

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.

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.

timveroOS private credit architecture diagram

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 Insights

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

AI That Accelerates IC and Protects the Portfolio

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.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
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90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
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100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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