Designed for
modern private credit
Most platforms were built for something else and bent to fit. Equipped starts from the asset – with a data model that natively handles bespoke facility terms, in-life amendments, complex interest mechanics, and multi-currency structures.
That foundation means governed calculations, clean audit trails, and reporting teams can stand behind — without the manual workarounds that create risk as you scale.
What we deliver
A platform built for private credit portfolios
Automated borrower ingestion: Equipped extracts and structures borrower data automatically, providing a review layer before anything is committed to the system.
Covenant tracking: Equipped calculates covenants automatically as data updates - exceptions are surfaced centrally, not buried in a spreadsheet.
Flexible direct lending engine: Complex facility terms require system-driven logic, not spreadsheet workarounds. Equipped models with bespoke structures and governed calculations.
Portfolio aggregation and reporting: Oversight requires structured aggregation. Equipped rolls up from fund to facility to exposure seamlessly.
Excel & legacy systems vs. Equipped's purpose-built solution
As private credit strategies become more bespoke, teams need infrastructure that keeps pace. Excel and generic legacy platforms struggle to handle complex facilities, governed calculations and scalable operations — prompting a shift towards purpose‑built solutions.
Manual, error-prone processes
Excel‑based models require frequent manual updates as facilities change or loan events occur, increasing the risk of formula errors and inconsistencies. Borrower financials and covenant calculations must also be processed manually, adding further operational risk.
Limited scalability and oversight
Loan administration, portfolio monitoring and reporting often rely on disconnected or complex spreadsheets, resulting in poor governance and traceability. As portfolios grow, additional headcount is required to sustain these processes, limiting scalability.
Structural and functional constraints
Legacy platforms offer limited support for complex or bespoke facility structures, often requiring workarounds to handle unsupported terms or events. Typically, they support either loan administration or monitoring, but not both in a single, integrated solution.
High operational overhead
Ongoing maintenance, templated data capture and manual intervention reduce scalability and increase reliance on internal resources. Audit logging quality is inconsistent, and reporting frequently depends on external data warehouses or third‑party tools.
Built for complex credit structures
Equipped provides native support for a wide range of facility structures, terms and loan events, removing the need for workarounds or spreadsheet‑based modelling as portfolios evolve.
Unified loan & portfolio management
Loan administration and portfolio monitoring are delivered in a single, integrated platform, enabling consistent data, clearer oversight and corporate‑branded reporting generated directly from the system.
Scalable, automated operations
AI‑powered ingestion of borrower financials and automated covenant calculations reduce manual effort, allowing portfolios to scale without proportional increases in headcount.
Governed, auditable calculations
A robust loan calculation engine applies consistent, governed logic across all scenarios, with every action, approval and event fully auditable to support transparency and control.
One governed system of record replaces fragmented workflows
Run your direct lending portfolios on a platform designed for private credit
Move beyond spreadsheets and rigid legacy systems. Talk to us today.
