Credit Agreement Management Software
Organize complex credit agreements and extract structured intelligence — covenants, definitions, obligations, and amendments.
The terms that govern your business live in PDFs
Credit agreements decide what a company can borrow, spend, acquire, and distribute. Yet at most organizations, those terms live in scanned PDFs that only get opened when there's a question — and answering that question means an afternoon of reading, or a call to outside counsel.
Credit agreement management software makes these documents operational. Key terms, financial covenants, negative covenants, defined terms, and reporting requirements are extracted into structured data. 'Are we allowed to do this?' becomes a lookup, backed by organized source documentation.
Amendments, tracked as they happen
Agreements do not stand still. Amendments change pricing, reset covenants, and extend facilities. LORIQ helps track each amendment and maintain a current, versioned picture of every agreement's active terms — with a clear trail back to the source language.
Our extraction workflow pairs AI with human review: the system drafts the extraction, but your team reviews and approves the terms. Every extracted data point carries provenance, allowing you to trace a covenant or definition back to the exact page and clause.
A controlled agreement-to-obligation workflow
Credit agreement management is not just document storage. It maintains the link between governing language, reviewed structured terms, active obligations, and later amendments.
Agreements, amendments, and related documents
Organize the operative credit agreement, notes, amendments, guarantees, security documents, certificates, and other supporting records.
Extract with provenance, then verify
Use supported extraction workflows to propose facilities, definitions, covenants, reporting obligations, and key dates; reviewers confirm them against source pages.
Terms and obligations with an amendment trail
Maintain a usable view of active pricing, commitments, maturities, definitions, reporting duties, and changes without losing the source-document history.
What LORIQ extracts and manages
Structured term extraction
Facilities, pricing, maturities, covenants, and defined terms pulled from agreements into structured workflows.
Defined-term intelligence
Agreement-specific definitions — EBITDA, fixed charges, permitted debt — captured for use in compliance calculations.
Amendment tracking
Track amendments to maintain a current view of each agreement alongside its full version history.
Obligation calendar
Reporting requirements, notice obligations, and deadlines tracked systematically.
Document completeness
Know which agreements, amendments, and security documents are on file — and which are missing.
Source-linked provenance
Every data point traces back to the exact document, page, and section it came from.
Continue through the credit workflow
Frequently asked questions
What is credit agreement management software?
Credit agreement management software organizes a company's loan documents — credit agreements, amendments, guarantees, and security documents — and extracts their key terms into structured, searchable data: covenants, definitions, pricing, reporting obligations, and restrictions.
How accurate is the extraction of credit agreement terms?
LORIQ pairs automated extraction with strict provenance and human review. Extracted terms link back to the source language in the document, and drafts must be reviewed and approved by your finance team before they drive compliance calculations.
Can LORIQ handle amendments and restatements?
Yes. LORIQ tracks amendments and helps identify which terms changed, maintaining a current view of each agreement's active governing language while preserving historical versions.
What document types does the platform support?
Credit agreements, amendments, promissory notes, guarantees, security agreements, intercreditor agreements, and compliance certificates — plus the financial statements that covenant calculations depend on.
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.
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