Commercial Loan Management Software
Manage every commercial loan, line of credit, and lender relationship in one platform — built for the borrower's side of the table.
Why commercial loans outgrow spreadsheets
Most finance teams manage commercial loans the same way they did twenty years ago: a spreadsheet of balances and maturities, a calendar of reporting deadlines, and a filing cabinet of credit agreements. That works until the portfolio grows — more facilities, more lenders, more covenants, more amendments — and the cost of missing something grows with it.
Commercial loan management software replaces that patchwork with a single system of record for the debt portfolio: every facility, its terms, its collateral, its covenants, its reporting obligations, and the documents that govern it — connected and continuously monitored.
LORIQ is borrower-side commercial loan management software. Banks have sophisticated systems to monitor the loans they originate. LORIQ gives finance teams that same level of visibility and control over their own credit.
One system for the entire credit lifecycle
From the day a facility closes to the day it matures, LORIQ tracks what matters: outstanding balances and availability, interest rate exposure, amortization and balloon payments, covenant tests and headroom, reporting deadlines, guarantees, and collateral. When an agreement is amended, the platform tracks the changes and keeps the record current.
Because everything lives in one place, questions that used to take days — total exposure by lender, upcoming maturities, which facilities share a guarantor — are answered in seconds. This structured approach allows finance teams to transition from manual tracking to strategic capital management.
A borrower-side facility management workflow
The operating record starts with what the company has already borrowed and the obligations that remain active—not a lender's origination pipeline.
Facilities and governing documents
Commitments, balances, rates, maturities, amortization, lenders, collateral, guarantees, credit agreements, and amendments.
Maintain the active facility record
Review document-derived terms, update balances and availability, connect obligations to responsible owners, and retain the amendment trail.
Prepared lender and renewal conversations
A current view of each facility, upcoming obligations, shared security, and portfolio context for reviews, renewals, and financing decisions.
What LORIQ manages for you
Facility & loan tracking
Term loans, revolvers, construction loans, equipment financing, and real estate debt — with balances, rates, maturities, and availability in one view.
Covenant monitoring
Every financial covenant tested continuously against your financials, with early warning before headroom becomes a problem.
Reporting obligations
Deadlines for financial statements, compliance certificates, and borrowing base reports — tracked and never missed.
Credit agreement intelligence
Our system structures your credit agreements and amendments, extracting terms, definitions, and obligations into queryable data.
Lender relationship management
Exposure, history, and contacts by lender — so every lender conversation starts from a position of preparation.
Debt capacity visibility
Understand how much you can borrow, when to refinance, and what your credit position looks like through a lender's eyes.
Frequently asked questions
What is commercial loan management software?
Commercial loan management software is a system that tracks a company's commercial debt — loans, lines of credit, covenants, reporting obligations, and lender relationships — in one place, replacing spreadsheets and manual calendars. Borrower-side platforms like LORIQ focus on helping the company that owes the debt, not the bank that issued it.
Who uses borrower-side loan management software?
CFOs, treasurers, controllers, and finance teams at companies with one or more commercial credit facilities — especially organizations with multiple lenders, financial covenants, or complex reporting requirements across real estate, construction, agriculture, and operating businesses.
Does LORIQ replace our ERP or accounting system?
No. LORIQ sits alongside your ERP and general ledger as a commercial credit intelligence layer. Your systems of record stay exactly where they are — LORIQ adds the debt, covenant, and lender-relationship intelligence they don't provide.
How is LORIQ different from bank loan servicing systems?
Bank systems monitor loans for the lender's benefit. LORIQ works only for borrowers: it protects your liquidity, tracks your obligations, and strengthens your negotiating position. We do not build software for banks or lender servicing.
See LORIQ on your own portfolio.
Built for commercial borrowers — not banks. Request demo access and see your credit position the way a lender would.
Request Demo Access