Commercial Credit Intelligence Platform
Beyond tracking: a platform that understands your credit agreements, computes your true position, and provides decision support.
Tracking tells you what. Intelligence tells you so what.
A loan tracker records balances and dates. A commercial credit intelligence platform understands the relationships behind them: how your agreements define your obligations, how your financials interact with your covenants, how your capacity compares to your plans, and how a lender would assess your risk position today.
LORIQ combines document intelligence, deterministic credit analytics, and grounded AI into one platform that doesn't just store your credit data — it provides structured intelligence for corporate borrowers.
Deterministic engines, grounded AI
Your financial compliance is never left to a language model. Covenant tests, credit ratios, capacity models, and health scores run on deterministic credit engines — the same inputs always produce the same answer.
AI does what it's good at: reading documents during the extraction workflow, explaining results in plain English, and answering questions grounded in your own data, with provenance you can trace. The result is exact, explainable, and sourced intelligence.
The platform's borrower-side intelligence workflow
LORIQ connects evidence, reviewed structure, deterministic calculations, and decision support so finance teams can work from one explainable credit record.
Documents and financial information
Bring agreements, amendments, statements, facilities, reporting records, and related source material into the supported workspace.
Relationships, terms, and methodologies
Connect documents to facilities and entities, review extracted terms, and approve the formulas and methodologies used for calculations.
Repeatable credit analytics
Run covenant, ratio, capacity, liquidity, exposure, and scenario calculations from structured inputs rather than asking a language model to perform the math.
Grounded explanations and management outputs
Trace results to their underlying records, prepare reports, and use grounded assistance to explore questions across the debt portfolio.
The intelligence layer
Credit position scoring
A continuous, multi-factor view of your credit standing — computed the way a lender would compute it.
Document intelligence
Agreements, amendments, and statements read, structured, and connected through supported review workflows.
Scenario & stress analysis
Rate shocks, revenue pressure, and structural changes modeled against your real covenants.
Debt capacity modeling
Know how much you can borrow — and what constraints bind first — before you need to ask.
Grounded AI advisor
Ask questions in plain English; get answers grounded in your agreements and financials, with traceable sources.
Executive & board reporting
Lender-grade reporting on the portfolio, generated from one trusted set of operational numbers.
Continue through the credit workflow
Frequently asked questions
What is a commercial credit intelligence platform?
A credit intelligence platform goes beyond tracking loans: it extracts terms from credit agreements, computes covenant compliance and borrowing capacity with exact analytics, and provides forward-looking insight — such as refinancing signals and stress scenarios — specifically for the borrower's benefit.
How does LORIQ use AI without risking wrong numbers?
LORIQ separates the math from the extraction. All calculations — covenants, ratios, capacity — run on deterministic engines that always produce the same answer. AI assists in reading documents and surfacing data, but every AI output is grounded in your documents, requires human review for critical formulas, and provides traceable sources.
Who is a credit intelligence platform for?
CFOs, treasurers, controllers, and corporate finance teams — from middle-market companies with a single credit facility to enterprises managing complex portfolios across multiple lenders, entities, and reporting obligations.
Is LORIQ built for lenders or borrowers?
Borrowers only. LORIQ does not build underwriting, origination, or monitoring tools for banks. Every feature exists to help corporate borrowers protect liquidity, stay compliant, and negotiate from strength.
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