Keep every credit on track, long after the close.
EnFi tests every covenant as new financials land and flags breaches early — then packages current financials, covenant results, and refreshed risk into the annual review, generated on your bank's template.
Continuous, not point-in-time.
Traditional covenant tracking is a quarterly scramble. EnFi reads every covenant straight from the executed agreement and tests each metric as new financials land. The moment a covenant crosses its threshold, it's flagged and auditable, not discovered at the next review.
From continuous checks to the annual review.
The same covenant results EnFi tracks all year flow straight into the review, so nothing is rebuilt by hand.
Tested continuously
Every covenant is tested as new financials land, with breaches flagged early and auditable.
Flagged when due
EnFi tracks each credit's review date and flags it before it comes due, so nothing slips.
Generated & finalized
The annual review is drafted on your template — financials, covenants, and risk — for an analyst to finalize.
Everything you’re tracking, in one review.
Annual reviews are required work, and the first thing to slide when new deals are on the line. EnFi flags each one when it's due and drafts it on your bank's policy template — ready for an analyst to finalize, not build from scratch.
Annual review
Less busywork. Fewer surprises.
Part of the whole credit workflow.
Spreading
The financials that covenant tests and reviews run on are spread and sourced automatically.
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Global cash flow
The global DSCR behind a coverage covenant, consolidated across the whole relationship.
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Deal screening & credit memos
The covenants monitored here are the ones set in the memo at origination.
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