The borrower-controlled
financing marketplace.
When LORIQ identifies a financing opportunity in your debt portfolio, you get the option—never the obligation—to privately explore it with selected lending partners.
Most marketplaces start with an application. LORIQ starts with intelligence.
- Private by default.
Nothing is shared with lenders until you decide.
- You control every disclosure.
You choose which lenders participate and exactly what information and documents each one receives.
- Competitive only when you choose.
Lenders compete with preliminary terms only after your explicit authorization.
Not a lender directory. Not a loan broker. Not an application portal.
- 1Your organization
LORIQ already understands your facilities, maturities, covenants, and debt service.
- 2LORIQ identifies an opportunity
A refinancing, repricing, or capital opportunity—surfaced privately.
- 3You review privately
An option, never an obligation. Nothing leaves your organization.
- 4You choose which lenders participate
Invite only the lending partners you want to engage—your current lender, others, or both.
- 5Approve your financing package
Review exactly what information and documents will be shared before authorizing distribution.
- 6Selected lenders receive only your approved package
The borrower-authorized information only—never your entire LORIQ workspace.
- 7Competitive financing options
Preliminary terms come to you—compare and decide.
You remain in control throughout the process.
From intelligence to competitive options.
We continuously analyze your debt portfolio, financial performance, and market signals.
LORIQ surfaces a potential refinancing, repricing, restructuring, or capital opportunity—privately.
You review the opportunity and decide if—and how—you want to explore the market.
Choose your package—a quick opportunity summary, a Credit Advisor financing memorandum, or a custom package. You control what is included.
Choose the lenders and exactly what information and documents they receive.
Invited lending partners review your authorized package and provide preliminary terms.
You choose if, when, and how the process moves forward.
Your privacy. Your control. Our promise.
Private By Default
Opportunities are identified inside your organization. No information is shared externally without your authorization.
Choose Your Lenders
Invite selected lending partners—or include your current lender. You decide who participates.
Control What's Shared
You determine the exact financial information and documents included in your financing package.
Audit & Transparency
Every disclosure is recorded. You can see what was shared, with whom, when, and by whom it was authorized.
From intelligence to execution
The Marketplace isn't a directory you search when you need debt—it's a progression that begins with the platform's understanding of your current obligations.
Monitor
Continuous tracking of maturity profiles, pricing, leverage, debt service, liquidity, borrowing capacity, and utilization.
Identify
Algorithmic detection of approaching maturities, pricing anomalies, refinancing windows, and structural inefficiencies.
Evaluate
Your organization reviews surfaced opportunities. LORIQ provides the underlying rationale. The borrower retains sole discretion.
Connect
If the borrower elects to explore the market, selected participating lending partners may be invited to compete for the opportunity—on the borrower's terms.
Your data. Your lenders. Your decision.
LORIQ identifies financing opportunities privately, within your organization. Nothing is shared with participating lenders simply because an opportunity is identified. If you choose to explore the market, you control:
- Whether an opportunity enters the Marketplace at all
- Which participating lenders are invited—including whether your incumbent lender is included or excluded
- What financial information is provided, and which documents are shared
- When additional information is disclosed—further disclosure requires further authorization from you
- Whether you proceed with any lender
The authorized package—nothing more
Inviting a lender to a financing opportunity never grants access to your LORIQ environment. Invited lenders do not see your Document Vault, your full financial statements, your credit agreements, your other facilities, or your internal analysis.
They receive only the specific information and documents you review and explicitly authorize for that opportunity—and every disclosure is recorded: what was shared, with whom, who authorized it, and when.
Private by default. Shared only with your authorization.
Create competition without giving up control
At your election, selected participating lending partners can be invited to compete for your financing opportunity—creating competitive tension while your confidential information stays under your control.
You elect to explore
Exploring an opportunity inside LORIQ shares nothing. Entering the Marketplace is a separate, affirmative decision.
You select the lenders
Invite selected participating lending partners—include or exclude your incumbent lender, and expand participation later if you choose.
You define the package
Choose the financial information and documents to include, review exactly what will be shared, then explicitly authorize disclosure.
Lenders compete on your terms
Authorized lenders evaluate the opportunity and may provide preliminary or indicative terms. You decide whether to engage with any of them.
Choose how you engage the market
Not every financing opportunity should begin with a full lender package. Some borrowers simply want to know whether the market is interested; others are ready for underwriting. LORIQ supports both—disclosure stays entirely under your control.
Quick market sounding
Opportunity Summary
Test lender interest with only high-level, borrower-approved information—industry, geography, financing purpose, and banded figures. It starts with no financial statements or documents; anything more is added and reviewed by you.
A borrower-approved lender presentation
Financing Memorandum
Credit Advisor prepares a professional borrower financing package from your approved information. You review, edit, and approve every section before anything is shared.
Built entirely by you
Custom Package
Assemble your own financing package using only the documents and information you choose—financial statements, debt schedules, collateral detail, appraisals, and more.
These are flexible options, not workflow requirements. Whether you're simply testing the market or preparing for a formal financing process, you control the package type, the participating lenders, the included information, and the timing. Nothing is shared without your explicit authorization.
A marketplace built on context
Traditional financing requires the borrower to assemble data and initiate a reactive search. LORIQ reverses the paradigm: the data identifies the opportunity, and the borrower decides whether to act.
The Search for Capital
Borrowers react to external pressures—an impending maturity or sudden liquidity constraint—by initiating a broad search for capital. The process is manual, time-intensive, and fundamentally reactive, often leaving the borrower with limited negotiation leverage and abbreviated timelines.
Intelligence-Driven Execution
Because LORIQ already models the borrower's debt portfolio, financials, and covenants, the platform identifies structural inefficiencies and refinancing windows autonomously. The borrower evaluates financing alternatives proactively, armed with complete institutional context.
Identifying the opportunity
The platform monitors the underlying characteristics of your portfolio, surfacing actionable intelligence for your organization to evaluate.
Approaching Maturities
Identify the optimal window to commence refinancing discussions before time constraints reduce negotiation leverage with existing or prospective lenders.
Pricing Discrepancies
Detect when current facility pricing diverges from market conditions, driven by an improved corporate credit profile or favorable macro shifts.
Changing Borrowing Needs
Recognize when tightening liquidity, constrained borrowing bases, or growth capital requirements suggest the existing facility structure is no longer adequate.
Structural Inefficiencies
Surface opportunities to consolidate disparate facilities, eliminate restrictive covenants, or transition toward a more optimized capital stack.
Connecting with capital, strictly on your terms
When you choose to pursue an opportunity, the Marketplace helps you present a relevant, well-defined financing request—never an automatic distribution of confidential data.
Borrower Authorized
Confidential information is never distributed automatically. The borrower maintains absolute authority over which opportunities to explore and what information to share.
Structured Context
When a borrower chooses to pursue an opportunity, LORIQ helps assemble a clearly defined financing request backed by organized commercial-credit context—removing preliminary friction and establishing immediate credibility.
Sovereign Control
The platform functions as a conduit for exploration, not a commitment. There are no guaranteed financing outcomes, lender approvals, or binding offers—only structured dialogue when the borrower deems it appropriate.
Evaluate your capital alternatives with LORIQ
Schedule a demonstration to see how LORIQ identifies structural inefficiencies and gives you a controlled path to evaluate financing alternatives.