Official FactSet Partner
Solutions / Private Credit

Underwrite with conviction. Monitor for the life of the facility.

The agent reads the borrower data room, drafts the underwriting memo in your house style, and stands up the covenant test that reruns on a schedule. Every leverage and coverage figure on the page opens to the filing or the FactSet line it came from.

Book a 30-minute walkthrough See the credit workspace
ArcaLabs credit workspace on a phone: ask the agent to build the leverage bridge

From the data room to the covenant test, in one workspace.

01 / The challenge

You underwrite once, then watch the credit for years.

A private credit team lives in two timeframes at once. Underwriting is a sprint through the data room, the issuer's filings, and a leverage and coverage model the committee will pull apart. Then the facility closes and the work turns into a standing obligation: every quarter the compliance certificate lands, the ratios get rechecked against the credit agreement, and a missed covenant breach is a real loss. ArcaLabs collapses the underwriting tools into one surface and keeps the monitoring running after close, with every figure defensible at sign-off.

02 / The credit workspace

The whole credit in one window.

Open a credit and you get an IDE for underwriting: the agent in the chat, the borrower's files in the native editor, the full data room on the right. The agent reads the financials, the existing debt schedule, and the draft credit agreement, builds the leverage and coverage model, and drafts the next turn in place. Definitions hold your treatments for Adjusted EBITDA, pro forma add-backs, and net leverage, so the same numbers carry from the model to the memo. Version pills are your history of every change.

The credit Explorer: the credit agreement, the model, and pinned Definitions
03 / Deliverables

An underwriting memo in your house style.

Real Word and Excel, not a static export. The agent works from your golden-copy memo template and your firm's profile, so the credit memo, the leverage and coverage model, and the capital-structure summary come out on format and ready for the committee. The leverage waterfall and the capital-structure build are agent-authored workflows the agent assembles on your definitions, not a packaged calculator. Preview and download in full fidelity, every figure still traced to source.

A house-style credit memo and model previewable in full fidelity
04 / Auditable by construction

Every ratio opens to its source.

Click the flag on a cited leverage or coverage figure and the source opens in app, scrolled to the exact line in the 10-K or the FactSet record it came from. Step through the tagged range, mark each reviewed, and sign off with a full audit trail. When the committee asks how you got to 4.8x net leverage, the answer is one click, not a junior digging back through a workbook the night before.

A cited leverage figure expanded to show the exact filing line it came from
05 / After the close

A covenant test that reruns itself.

Underwriting ends, oversight does not. In the visual workflow builder you assemble the covenant test once: pull the latest issuer financials, recompute net leverage and interest coverage on your definitions, check them against the credit agreement thresholds, and write a compliance certificate to the credit file. Set it to run on a schedule or to fire when the quarterly reporting package arrives. The covenant monitor is an agent-built workflow on the same triggers that run the rest of the platform, not a packaged covenant tracker, so it follows your exact terms.

A covenant test running as a scheduled workflow
07 / The credit file

A credit file that keeps itself.

Every email, document, and agent action lands in a live, exportable log, so the credit file is ready for the next review without a second job. When the borrower or the agent bank writes in, the agent drafts the reply for you to approve and send, all without leaving the credit.

The agent drafting a reply to the agent bank for a human to approve and send
08 / Trust & security

Built for the way credit funds buy software.

Compliance-first, sourced and audited end to end, and runnable in the infrastructure your firm already trusts. Official FactSet Partner with live, licensed data. SOC 2 Type II, single-tenant deployment in your VPC, a full audit trail on every prompt and output, and customer-managed keys. Sealed credit folders and information barriers stay enforced, so a query never reaches across an ethical wall.

  • Official FactSet Partner

    Live, licensed, direct data access, not a reseller, not a crawled snapshot. FactSet is our default, certified data source; the platform is provider-agnostic and sources from other trusted providers however your firm prefers.

  • Built for regulated firms

    SOC 2 Type II, single-tenant deployment in your VPC, full audit trail on every prompt and output, customer-managed KMS keys.

  • Information barriers respected

    Sealed deal folders and ethical walls stay enforced. The agent and firm-wide search only reach what each user is cleared to see.

Schedule a Call

Connects to the systems your firm already uses

SharePoint
OneDrive
Google Drive
PowerPoint
Excel
Word
FactSet
Egnyte
Outlook

See underwriting and monitoring on one surface.

Book a 30-minute walkthrough and we will run a live credit through the workspace: build the leverage model, draft the memo in your house style, and stand up the covenant test, every figure traced to source.

Book a 30-minute walkthrough

ArcaLabs is the AI workspace for finance: the model, the deck, the memo, the deal log, and the inbox, on one surface. Official FactSet Partner. From the makers of Arcafeed (acquired).

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