The system of record for private-market investment decisions
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Solutions · Private credit

The credit file, defensible line by line.

Credit decisions live and die on the documents — the agreement, the compliance certificate, the borrowing base. Advisare reads them into one permanent record and runs coverage math as code, so every number in the memo can be traced and re-run.

01

What Advisare reads

Credit agreements & term sheetsCovenants, baskets, and definitions extracted clause by clause with their page numbers.clause-level
Compliance certificates & borrowing basesReported figures land as structured fields — drift from the agreement’s definitions surfaces itself.definition-aware
Financial statements & lender presentationsHistorical performance normalized for coverage and leverage math.normalized
Industry & sponsor researchGrounded web research on the borrower, sponsor, and cycle position — sources attached.verified sources
02

Scored in your language

Coverage, collateral, covenants — scored deterministically.

DSCR and leverage compute from the extracted financials; the rubric weighs them with explicit, versioned weights. The same inputs produce the same score at origination and at every review after.

Score breakdownWt · Contrib
  • Cashflow coverage0.25+20
  • Collateral & recovery0.25+18
  • Covenant package0.20+15
  • Sponsor support0.15+12
  • Industry cyclicality0.15+11
  • Minimum DSCR gate · 1.20×KNOCKOUT — PASSED
Total76 / 100
Proceed
03

What lands at IC

The credit memo, with the math shown.

Facility summary, coverage tables, covenant grid, and downside cases — in your format, with each figure linked to the agreement clause or statement line it came from. Reviews reuse the same record, so quarter-over-quarter drift is visible, not re-typed.

Bring a live facility.

An agreement and a statement package is enough. We'll build the record during the meeting.

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