Termline reads your credit agreements, keeps them current through every amendment, and runs each stage of the loan on that clause-cited record, for lenders, sponsors, borrowers, loan agents and fund administrators alike, with your team approving every step that matters.
Agreements, amendments and borrower reporting are read and structured, with every term linked to its source language.
Covenants and baskets are calculated from the terms in force, never estimated by a model.
Your team signs off before results reach a fund, a borrower or an LP. Every approval is on the record.
Bring new opportunities in from the inbox and data room, and screen them against your written credit policy.
Keep every draft, issue and agreed term in one place, from term sheet to signing.
See where a structure gets tight before you commit, with every input sourced.
Close with a clause-cited record of the deal, not just a signed PDF.
Know what each borrower owes you, when, and what has actually arrived.
Re-test every compliance certificate against the current terms, amendments included, with each number traced to its clause.
After a breach, see exactly what the agreement allows, and keep every amendment’s history.
Portfolio risk computed from the documents, not estimated around them.
Close out the loan with its full history intact for buyers, auditors and LPs.
Amendments change definitions. Caps get exceeded. Thresholds step down. Termline re-tests each certificate against the agreement exactly as it stood on the test date, and shows the clause behind every difference. It is the first place Termline proves its value, and the record it builds carries into every other stage.
See it on your deals →
Sponsors, borrowers and agents can work in Termline or through the email, chat and signature tools they already use. Requests, reminders and consents go out, and replies come back into the deal’s record.
Nothing is sent without a person’s approval, and sponsors and borrowers only ever see what is theirs to see.
Credit decisions get examined by committees, auditors, regulators and LPs. Termline is built so every answer can be shown, not just stated.
Each figure links to the clause, amendment and borrower line it came from.
No confidence scores. What can’t be verified is flagged for a person, not guessed.
AI never approves, releases or sends on its own. People sign off, and every sign-off is recorded.
Each customer’s documents and data are kept apart from every other customer’s.
Your documents are not used to train AI models.
View any deal as it stood on any date. Nothing is overwritten.
We are happy to walk through our security practices in detail with your team.
Designed to connect with the tools funds, agents, sponsors and borrowers use every day.
Names are trademarks of their owners and indicate intended compatibility only. No endorsement or partnership is implied.
Termline is an AI operating system for private credit. It turns each credit agreement, together with its amendments, into a clause-cited record and uses that record to run the loan across its lifecycle, from negotiation and closing to reporting, covenant compliance, amendments and exit. Lenders, sponsors, borrowers, loan agents and fund administrators all work from the same record.
Everyone with a stake in a private credit loan: creditors (direct lenders, credit funds and BDCs), the private equity sponsors behind the borrowers, borrower finance teams, and the loan agents and fund administrators who run each facility. All of them work from the same clause-cited record, and each party sees only what is theirs to see.
Termline is designed as one platform for the whole life of a loan: origination, term sheet and negotiation, underwriting and IC, closing, borrower and facility reporting, covenant compliance, cures, waivers and amendments, monitoring and valuation, and repayment or exit. Most teams start with compliance, then extend the same record across the other stages.
It recomputes each covenant from the definitions and thresholds in force on the test date, including every amendment, compares the result line by line with the borrower’s certificate, and ties each difference to the clause that explains it. A person reviews and signs off before findings are released.
No. Termline shows the source language and the math behind every number instead of a probability. Anything it cannot verify is flagged for a person to resolve.
No. Each customer’s documents are kept separate and are not used to train models.
No. Termline is software that supports your team. Suggested drafting language is presented as a proposal for your deal team to review, and decisions stay with your people.
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.