Termline runs the whole life of the loan, from origination to exit, on one clause-cited record of every credit facility. AI does the reading, the math is computed, and your team approves.
For private credit lenders, sponsors, borrowers, loan agents and fund administrators.
Against the old 5.25x, even the recompute passes. Against the current 5.00x, it breaches by 0.13x.
Every loan is governed by a bespoke agreement, reshaped by amendments, waivers and side letters. Yet screening memos, closing checklists, borrower reporting, covenant tests and valuation packs are still assembled by hand, across inboxes, spreadsheets and PDFs, by lenders, sponsors, borrowers and agents who each keep their own version of the deal.
Every handoff re-keys the same terms. When a definition changes in an amendment, the error travels from closing to reporting to valuation, and can sit inside a certificate marked “in compliance” until it is too late to act.
Termline is the system of record for each credit across its life. Every stage reads from and adds to the same clause-cited record, so nothing is re-keyed and nothing is lost between teams.
Lenders, sponsors, borrowers, loan agents and fund administrators work from the same clause-cited record of each loan. Everyone sees the same terms, dates and numbers, and each party sees only what is theirs to see.
Screen, underwrite, close and monitor every credit on terms that stay current through each amendment, from term sheet to payoff.
See each portfolio company’s credit position earlier and in full, well before a covenant test or a call from the lenders.
Know what is due and when, submit it once, and spend less time on back-and-forth emails with lenders.
Track every facility, payment, notice and borrower deliverable from the same clause-cited record the lenders rely on.
AI does the reading. Math is computed, not predicted. People make the decisions.
Termline reads the credit agreement and every amendment, and builds a clause-cited record of the deal as it stands on any date.
Every calculation, from underwriting headroom to facility reporting and covenant tests, is computed from the terms in force and tied to its source clause.
Your team reviews and signs off before anything is released. No black-box scores, and no number without a source.
Compliance is where Termline proves itself first. It re-tests each compliance certificate against the credit agreement and every amendment, and shows the clause behind every gap. The same clause-cited record then carries into reporting, amendments, monitoring and valuation.
Every number traces to the clause it comes from. No black-box confidence scores.
AI proposes. Your team signs off before anything reaches a fund, borrower or LP.
Each customer’s documents are kept separate, and are never used to train models.
See any deal as it stood on any date, with every change and approval on the record.
Designed to connect with the email, document, signature and accounting tools that funds, agents, sponsors and borrowers already use.
Names are trademarks of their owners and indicate intended compatibility only. No endorsement or partnership is implied.
Termline is in early access for private credit lenders, sponsors, borrowers, loan agents and fund administrators. Tell us about your book and we’ll set up a walkthrough.