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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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.
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.
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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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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
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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Solutions B2B
Solutions for any lending type
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Why choose us
An Easy Choice Between SaaS Speed and Custom Control
SaaS loan management systems launch quickly but limit flexibility and audit depth. Custom builds offer control but come with long delivery cycles and high maintenance costs. The timveroOS platform by TIMVERO delivers all-in-one: faster deployment, reasonable costs, and full governance, with policies-as-code for posting, hardship, and collections logic that runs entirely in your environment.
SaaS solutions
timveroOS
Custom Development
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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.
Ready to start?
Upgrade your loan management system for small businesses and large enterprises in just 3 months.
Get our free TIMVERO product guide