Modern Borrower Monitoring for Relationship-Driven Commercial Lending.
Whether focused on Sponsor-backed transactions or the bespoke needs of family-owned middle-market businesses, CIQ provides relationship managers, credit teams, and borrowers a secure platform to exchange financial data, monitor performance, and manage reporting workflows.
Community banks lose relationships when businesses outgrow them.
Community and regional banks have long been trusted partners for local businesses. But as those businesses grow, banks are increasingly forced to choose between manual analyst burden and turning away borrowers — sending them to seek capital from larger financial institutions. With CovenantIQ, banks can now retain and strengthen these relationships by offering cash flow-based loans at scale, without proportional increases in staff.
Move Beyond Spreading Financial Information
CIQ's API-first approach gathers, standardizes, and analyzes detailed borrower data, eliminating manual reconciliation, reducing reporting delays, and making it faster and easier for banks to monitor borrower risk across their entire portfolio.
Foster Stronger Lender-Borrower Relationships
Transform covenant enforcement from a reactive, one-sided process into a transparent, collaborative dialogue, helping borrowers stay ahead of financial risks while aligning on long-term business success.
Automate Covenant Monitoring - Even for the Most Complex Credit Agreements.
CIQ maps granular borrower data directly to loan covenant definitions in the credit agreement, allowing banks to effortlessly monitor covenant compliance and proactively manage default risk.
Expand Lending Capacity through Partnerships with Other Financial Institutions
CIQ's centralized financial data hub makes it easy to collaborate with other financial institutions, whether through loan syndications, participations, or strategic partnerships, ensuring your borrowers have the capital they need to grow.
News and insights from CovenantIQ. Delivered semi-quarterly.
Ready to scale your middle-market lending program?
See how CovenantIQ helps community and regional banks retain and grow relationships that would otherwise be too operationally intensive to manage.