How LORIQ Credit
Intelligence works.
LORIQ is a software platform designed for the debt stack. It brings structure, calculation, and visibility to documents, covenants, financials, and capital architecture.
It maps what your documents govern.
LORIQ's document module comprehends the relationships between credit agreements, notes, amendments, guaranties, and security agreements.
It helps you structure these agreements through supported AI extraction workflows: tracking amendment chains, identifying defined terms, and pulling reporting obligations into a single, queryable source of truth.
Numbers mapped to meaning.
Extracting data is only the first step. The LORIQ platform reconciles the numbers from CPA audits, company-prepared financials, or ERP exports.
The system honors your organization's specific credit policy and methodology hierarchy, mapping raw line items to the canonical concepts required to calculate true cash flow, CPLTD, and working capital.
Contracts reviewed before they control.
The covenant module extracts exact contractual definitions, formulas, testing periods, and reporting requirements directly from your agreements.
Extracted definitions are preserved in their original context and must be reviewed and approved by your finance team before they become controlling for deterministic compliance monitoring.
Relationships over time.
LORIQ doesn't treat each financing document as an isolated PDF. It understands the financing relationship across its entire lifecycle.
The platform tracks facilities, commitments, balances, maturities, amortization, pricing, and refinancings. When collateral or guaranties change, the capital stack updates, providing a clear timeline of your enterprise debt portfolio.
The intelligence interface.
Ask complex questions across your entire debt stack. The Credit Advisor is grounded in your actual statements, facilities, covenants, reporting requirements, and capital structure.
It provides decision support by simulating outcomes based on your verified formulas and financial constraints, with clear traceability back to the source data.
Based on your covenant set and unused revolver commitment, an additional draw of about $2.4M stays inside every tested covenant. Beyond that, Fixed Charge Coverage becomes the binding constraint. Simulated headroom after a $2.4M draw:
Intelligence requires trust.
In commercial finance, there is no room for silent guessing. LORIQ is built on transparency, supported review workflows, and deterministic math.
Source Provenance
Every extracted term links back to the exact page and section of the governing document.
Review Before Controlling
Formulas and covenant rules never take effect until your team explicitly reviews and approves them.
Deterministic Calculations
Calculations rely on standard math against approved formulas, not black-box probabilistic guessing.
Audit History
A complete record of who uploaded what, who approved which formula, and when it happened.
Experience the platform.
See how LORIQ structures your documents, reconciles your financials, and monitors your covenants.