AUTOMATED SURVEILLANCE
Risk Monitoring
Stay ahead of portfolio risks with automated covenant tracking, real-time LTV monitoring, cross-lender payment alerts, Experian credit surveillance, AI insurance review, and intelligent alert systems that flag issues before they become problems.
See it in action
Current LTV Exposure
COMPANIES HOUSE INTELLIGENCE
Continuous Companies House Monitoring
Every borrower SPV on your loan book is monitored against Companies House in real time. Late filed accounts, overdue confirmation statements, insolvency proceedings, Members' Voluntary Liquidations, and winding-up petitions are detected automatically and flagged before they become your problem.
Late Filed Accounts
Flagged the moment a company's annual accounts pass their due date. A borrower whose accounts are overdue is a borrower whose financial position you cannot verify.
Overdue Confirmation Statements
Confirmation statements are legally required every 12 months. An overdue confirmation statement signals a company that is not maintaining its statutory obligations.
Insolvency Proceedings
Active and historical insolvency cases are checked directly against the Companies House insolvency endpoint, with case types, dates, and status classifications surfaced immediately.
London Gazette Notices
Winding-up petitions and insolvency notices published in the London Gazette are monitored automatically. These are often the first public signal of formal insolvency action.
MVL Detection
Members' Voluntary Liquidation filings on associated companies in the corporate chain are detected and flagged. An MVL on a connected entity may indicate the group is restructuring or winding down operations.
Charge Analysis
Outstanding charges, satisfaction dates, and charge holders are tracked across the borrower and every associated company. New charges registered against the corporate network are flagged as they appear.
Network-Wide Filing Surveillance
We don't just check the borrower SPV. The platform scans every associated company in the corporate chain for filing irregularities — up to five levels deep. If a company in your borrower's network files accounts late, you'll know before it becomes a problem.
The total count of late filings across all associated entities feeds directly into the composite risk score, giving you a single metric that reflects the filing health of the entire corporate group — not just the SPV on your facility agreement.
Development Finance: Contractor Monitoring
For development loans, your main contractor's filing compliance matters just as much as your borrower's. The platform monitors the contractor's Companies House profile and their associated companies throughout the build. If your contractor's parent company starts filing late, that's a signal you need before your next drawdown decision.
All intelligence is derived from publicly available Companies House data and corporate filings.
Automated Covenant Tracking
Never miss a covenant breach again. Our system automatically monitors financial covenants, ICR thresholds, and reporting deadlines across your entire portfolio, sending alerts the moment a breach is detected or approaching.
Real-Time LTV Monitoring
Maintain current LTV calculations using monthly data updates submitted directly by lenders to the platform. Track loan-to-value positions against agreed thresholds, with alerts triggered when headroom tightens or a breach is approaching.
Exposure Analysis
Understand your concentration risks with multi-dimensional exposure analysis. Track exposures by borrower, sector, geography, and counterparty, with automated limit monitoring and breach notifications.
Early Warning System
The platform aggregates shared late and missed payment data across participating lenders, giving you visibility into borrower behaviour beyond your own book. Spot repeat patterns and cross-lender exposure before a position deteriorates.
CROSS-LENDER INTELLIGENCE
Cross-Lender Payment Alerts
When a borrower pays another lender late, the platform fires an alert to every lender with exposure to that borrower. You see the signal. You never see which lender reported it. This is the platform acting as a whistleblower for the sector.
Fully Anonymised
The reporting lender's identity is never disclosed. You know that a late payment occurred on another facility. You do not know who holds it. The signal is what matters, not the source.
Real-Time Alerts
Alerts fire the moment a late payment is recorded by any participating lender. There is no delay, no batch processing. If a borrower misses a payment elsewhere today, you know today.
Repeat Pattern Detection
A single late payment is a data point. Three late payments across different lenders is a pattern. The platform tracks frequency and escalation, so you can distinguish a one-off from a borrower in distress.
Portfolio-Wide Coverage
Every borrower on your loan book is monitored against the full network. You do not need to opt in per loan. If another lender on the platform has exposure to your borrower, you are covered.
Sector-Level Transparency Without Exposure
The cross-lender alert system gives the sector something it has never had: shared intelligence without shared identity. Every lender benefits from every other lender's payment data, but no lender's book is ever visible to another. The platform sits in the middle, aggregating signals and stripping identifiers. You get the insight. Your competitors get nothing.
GAZETTE INTELLIGENCE
Expanded London Gazette Monitoring
The platform monitors 20+ London Gazette notice types across your entire borrower network. Not just basic insolvency flags. Every formal notice that could affect a borrower's status, solvency, or corporate existence is tracked and surfaced the day it is published.
Winding-Up Petitions
Creditor-initiated petitions to wind up a company. Often the first formal signal of severe financial distress.
Compulsory Winding-Up Orders
Court orders to wind up a company. Once granted, there is no going back. The company is being dissolved.
Administration Orders
Formal appointment of administrators. The company is insolvent and being restructured or wound down under professional oversight.
CVA / IVA Notices
Company Voluntary Arrangements and Individual Voluntary Arrangements signal a borrower or director negotiating reduced payments with creditors.
Strike-Off Notices
Companies House proposes to remove the company from the register. A borrower SPV being struck off is an immediate red flag.
Restoration to Register
A previously struck-off company being restored. This can indicate revived claims or liabilities on a borrower you thought was dissolved.
Administrator Appointments
Tracked independently from administration orders. The appointment itself, the administrator's identity, and the appointing party are all logged.
Receiver Appointments
A secured creditor has appointed a receiver over the company's assets. This means another lender has already moved to enforce.
Dissolution Notices
Final dissolution of a company. If the borrower SPV is dissolved while your facility is outstanding, you have a problem that needs immediate attention.
Beyond the Borrower SPV
Gazette monitoring does not stop at the borrower entity. Every company in the PSC chain, every associated entity, and every director's other active companies are scanned. A winding-up petition against the borrower's parent company is just as relevant as one against the SPV itself. The platform catches both.
CREDIT INTELLIGENCE
Experian Credit Monitoring
Ongoing credit score monitoring via Experian integration. Every borrower on your book is tracked continuously. When something changes in their credit profile, you hear about it the same day.
Score Threshold Alerts
Set your own credit score thresholds per facility or across the portfolio. When a borrower's Experian score drops below your threshold, an alert fires immediately. No manual checking required.
CCJ Registration
County Court Judgements registered against a borrower are flagged the moment they appear on the credit file. A CCJ is one of the strongest signals that a borrower is in financial difficulty.
Overdue Account Detection
Accounts reported as overdue on the borrower's credit file are surfaced automatically. If your borrower is falling behind on other obligations, you need to know before it affects your facility.
Trend Tracking
Credit scores are tracked over time, not just point-in-time. You can see whether a borrower's credit position is stable, improving, or deteriorating. Direction matters as much as the number.
Network Credit Health
Credit monitoring extends to the full corporate network. Directors' personal credit profiles, parent company scores, and associated entity credit health are all tracked. A borrower SPV with a clean credit file but a director with four CCJs is still a risk. The platform connects those dots.
INSURANCE INTELLIGENCE
Insurance Expiry Monitoring
Developers and investors never put insurance at the top of their priority list. Policies lapse, and the property your charge sits on becomes uninsured without you knowing. The platform tracks every insurance expiry date across your book, alerts you before gaps appear, and when a renewal comes through, reviews the new policy against your 18-point lender requirements checklist automatically.
CAR Insurance
Contractor's All Risks cover is verified against your requirements. Sum insured, policy period, excess levels, and named perils are all checked automatically.
Latent Defect Warranty
Structural warranty and latent defect cover are checked for duration, scope, and exclusions. Development lenders need this before practical completion.
Reinstatement Values
The platform flags policies where the reinstatement value is below the loan exposure or the property rebuild cost. Underinsurance is one of the most common gaps.
Professional Indemnity
PI cover for architects, engineers, and project managers is checked for adequate limits, retroactive dates, and run-off provisions.
Public Liability
Minimum cover levels are verified against your facility requirements. Contractor and borrower policies are both reviewed.
Policy Expiry Tracking
Every policy on every loan is tracked for expiry. Alerts fire 30 days before a policy lapses, giving you time to chase renewal before cover drops.
Your Checklist, Not Ours
The 18 default check items are a starting point. You can add, remove, or modify items to match your own credit committee requirements. Different facility types can have different checklists. A bridging loan does not need the same insurance cover as a ground-up development, and the platform reflects that.
FACILITY CLASSIFICATION
Asset Class Tracking
Every loan on the platform is tagged with its facility type: bridging, development, or term. This classification drives granular risk monitoring by asset class, so you can track performance, exposure, and alerts at the level that matters to your credit committee.
Bridging Finance
Short-term facilities monitored for exit risk, LTV headroom, and term expiry. Bridging loans have different risk dynamics to development, and the platform treats them accordingly.
Development Finance
Build-phase monitoring with drawdown tracking, cost overrun alerts, contractor screening, and QS report integration. Development risk is construction risk, and the platform monitors both.
Term Lending
Longer-term facilities monitored for covenant compliance, interest cover, and payment regularity. Term loans need ongoing surveillance, not just origination checks.
Concentration by Facility Type
Your credit committee wants to know what percentage of the book is bridging versus development versus term. The platform gives you that breakdown in real time, with exposure values, weighted average LTVs, and alert counts segmented by facility type. If 70% of your book is bridging and the market is slowing, you see that before it becomes a board-level conversation.
Experience Risk Monitoring
See how risk monitoring can transform your lending operations.