How finance teams
use LORIQ.
Built for CFOs, controllers, and treasury teams to command the commercial debt portfolio, track covenants, and manage lender relationships proactively.
Manage the Debt Portfolio
Move commercial debt out of spreadsheets, folders, calendars, and institutional memory.
Maintain a consolidated view of all loans, facilities, lenders, commitments, balances, pricing, maturities, collateral, and guarantees. Every stakeholder accesses the same accurate, real-time picture of the capital structure.
Stay Ahead of Covenants & Reporting
Know what is due, when, and what requires attention.
Centralize covenant testing and track reporting deadlines, compliance certificates, statement delivery, borrowing-base requirements, and lender obligations. Deadlines are driven directly from credit agreement language.
Understand Debt Service & Capacity
Understand the company's credit position before the lender asks.
Monitor debt service, CPLTD, coverage, leverage, liquidity, borrowing capacity, and upcoming maturities continuously. Identify headroom compression early and enter lender conversations with complete visibility.
Prepare for Reviews & Lender Conversations
Reduce the scramble before renewals, meetings, and credit requests.
Access current financials, covenant performance, facility terms, reporting history, the maturity profile, and the capital structure in one place. Replace manual compilation with immediate, accurate access.
Manage Agreements & Amendments
Preserve institutional memory across the life of the financing relationship.
Track exactly what changed in every amendment—which facility, pricing, maturity, commitment, or covenant changes occurred. Compare historical terms against current obligations precisely.
Identify Financing Opportunities
Capitalize on market shifts and structural improvements.
Identify signals that a financing structure warrants review. Transition insights regarding terms, pricing, and capacity into executable capital events when market conditions align.
Built for corporate borrowers.
Different teams interact with commercial debt differently. LORIQ provides the right level of insight whether you're overseeing the portfolio or compiling the month-end compliance certificate.
CFOs & Finance Leaders
Strategic oversight, reduced operational risk.
Transform credit operations from a tactical burden into a strategic advantage. Gain real-time visibility into liquidity, headroom, and upcoming obligations across the entire enterprise to support capital allocation.
Controllers & Accounting
Accuracy and compliance confidence.
Automate the heavy lifting of covenant tracking and ensure reporting definitions match exact agreement formulas. Stop wasting month-end close time rebuilding compliance schedules.
Treasury Teams
Precision cash flow and capacity management.
See true borrowing capacity, upcoming debt service, and liquidity through a credit lens. Keep lenders informed and maintain strong relationships with a connected view of facilities, obligations, and lender relationships.
Private Equity & Sponsors
Portco monitoring at scale.
Standardize covenant reporting across your portfolio companies. Identify distress early and optimize capital structures across the fund before a technical default occurs.
Family Offices
Generational capital, institutional discipline.
Oversee credit across operating companies, real estate holdings, and direct investments. Maintain one consolidated view of every guarantee, covenant, and lender relationship the family carries.
Single-Lender Borrowers
The foundation for a growing business.
Establish institutional-grade credit management early. Impress your lender with perfect reporting and clear insights as you prepare the company for structural growth.
Total portfolio visibility.
Spreadsheets can track loans, but they can't manage relationships, monitor complex nested covenants, or flag an upcoming maturity wall before it becomes an emergency.
LORIQ surfaces the exact information finance teams need: covenant headroom, reporting deadlines, and liquidity capacity — all computed deterministically from your approved formulas and active documents.
Designed for your industry.
We understand that a real estate developer's covenant package looks very different from a manufacturer's borrowing base. The platform adapts to your collateral and constraints.
Real Estate & Construction
Property-level performance and draw management.
Track property financials, DSCR, LTV, and rent rolls alongside construction draws. Connect underlying asset performance directly to facility-level compliance metrics.
Manufacturing & Distribution
Asset-based lending and borrowing base automation.
Manage capacity against eligible inventory and receivables dynamically. Keep borrowing base certificates accurate and submitted on time across warehouses and seasons.
Agriculture & Commodities
Operating lines and government guarantees.
Track crop and livestock cycles against seasonal operating lines. Manage guaranteed facilities with land, equipment, and commodity collateral in one unified view.
Transportation & Logistics
Fleet financing and equipment-heavy capital stacks.
Manage equipment term loans, fleet leasing lines, and working capital. Track collateral by unit and keep utilization covenants in compliance.
Healthcare & Services
Reimbursement cycles meet lender reporting.
Bridge the gap between payer receivables, WIP-backed lines, and facility covenants. Track acquisition lines for practice roll-ups and keep compliance current.
Energy & Infrastructure
Project finance and reserve-based structures.
Manage capital-intensive facilities with complex amortization, rate hedges, and redetermination cycles. Stress-test against commodity and rate scenarios.
Private companies under $25M EBITDA
Private companies with $25M–$50M EBITDA
Private companies with $50M–$100M EBITDA
Covenant defaults are not payment defaults. They can arise before a borrower misses a payment — making proactive monitoring, rigorous reporting, and early visibility critical for corporate finance teams.
Source: Lincoln International data, cited by BlackRock Institutional Insights (2026).
Value across every credit decision.
Connect portfolio visibility, reporting efficiency, capital planning, and lender preparedness. Risk oversight and early warning strengthen that operating foundation alongside opportunities to improve financing.
Reduce repeated covenant calculations, document review, and lender-package preparation. Illustrative annual staff time associated with these workflows:
Evaluate refinancing options alongside capacity and maturities. A hypothetical 50 bps rate improvement on a $10M facility represents:
Monitor covenant pressure to support earlier action. A technical default can involve waiver fees, amendment legal costs, and default-rate interest:
Bring facilities, obligations, and reporting history into one operating view so teams can prepare lender conversations and evaluate decisions with context.
Evaluate LORIQ across time saved, reporting readiness, financing alternatives, and risk oversight—not only the cost of an avoided default.
Illustrative estimates for a mid-market borrower with two to four credit facilities, not guaranteed savings or a forecast of default. Staff costs, refinancing opportunities, and potential default costs have different timing and may not all apply. Actual value depends on your portfolio, workflows, financing terms, and circumstances.
Command your debt portfolio.
Ready to move beyond spreadsheets and manual tracking? See how LORIQ structures your documents, reconciles your financials, and monitors your covenants.