Direct lending
Direct lending offers compelling returns, but the operational workload is heavy.
Direct lenders manage highly bespoke facilities across multiple tranches, repayment structures, and pricing mechanisms. Margin ratchets, tailored amortisation schedules, delayed draw components, fees, resets, and optional PIK features are common, yet most systems cannot model them accurately. Teams often fall back on spreadsheets to track core loan mechanics, increasing the risk of errors and inconsistent calculations.
Borrower financials arrive in varied formats, delaying covenant updates across leverage, cash cover, liquidity, EBITDA, and other bespoke metrics. Manual reformatting consumes valuable time and slows portfolio reporting.
Meanwhile, notices, waivers, lender consents, and borrower communications take place across disconnected channels, creating friction and making it difficult to maintain clean audit trails as portfolios scale.
What you can expect
Equipped gives direct lenders a clear, scalable way to manage bespoke loans with accuracy and control.
Equipped enables direct lending teams to scale portfolios efficiently, automate manual processes, and maintain full control over calculations, workflows, and borrower communications.
See Equipped in action
See how Equipped can simplify your direct lending operations. Book a demo today and discover how to save time, reduce errors, and manage bespoke loans with confidence.
Where expertise
meets results
“Central to our business is maintaining a deep, forward-looking view of risk. Applying Equipped AI’s market-leading technology to the large data sets and close relationships PCP have across the private markets will create true value and a competitive advantage for both the entrepreneurs we support and the investors we serve.”
P Capital Partners
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