Non-Performing Loans.
Total Visibility.
Automatic escalation. Controlled data rooms with no downloads. Engagement analytics that show you exactly who's doing the work — and who isn't.
See it in action
You appoint an NPL strategist. You appoint an agent. Then you wait for an email every three weeks.
Lenders have zero visibility into whether their appointed representatives are genuinely working a distressed case. Data collection is manual, chaotic, and always starts too late. By the time a loan is formally in distress, the bank is scrambling to assemble documents that should have been ready months ago.
The NPL process is broken not because of bad intentions, but because there's no system of accountability. No way to verify that the agent who quoted you a price actually read the headlease. No way to know that your strategist's ‘buyer shortlist’ came from three phone calls, not three weeks of diligence.
Until now.
From first late payment to resolution. Tracked automatically.
Payment data you already input into Loan Intel triggers the escalation. No manual flagging. No missed warning signs.
Cross-Lender Early Warning
If a borrower’s SPV enters watchlist on another lender’s book, you get an anonymised signal. No names. Just the signal you need to start asking questions.
Borrower Group Intelligence
Parent company and associated SPV mapping surfaces systemic risk. One borrower with 70 single-purpose vehicles? You’ll see the pattern before the next late payment.
Observation Periods
WATCHLIST cases that return to on-time payments are monitored for 3 months before clearing. One good month doesn’t erase the signal.
Everything in one place. Nothing leaves the platform.
Upload legal, financial, property, and strategy documents into a structured data room. Every page is rendered in-browser with dynamic watermarking — the viewer's email address and timestamp burned into every page. No downloads. No print. No copy-paste. If someone screenshots it, their identity is in the image.
Zero downloads
Documents rendered server-side as image tiles. No direct file access.
Dynamic watermark
Viewer email + timestamp on every page. Server-rendered, not CSS.
AI-powered Q&A
Ask questions. Get answers with page references. Quality scored.
Gap detection
AI flags questions it can’t answer — surfaces missing documents.
Readiness scoring
Configurable checklist per asset type. Know your data room is complete before launch.
Scoped access
Strategists see only assigned cases. Buyers see only what’s shared with them.
Don't just trust them. Monitor them.
Every page view. Every document opened. Every minute spent. Know exactly how seriously your appointed representatives are taking your distressed asset — before it's too late to change course.
Automated weekly reports land in your inbox every Monday. Per-user breakdown: time on platform, documents opened, documents NOT opened, questions asked, engagement trend. Flag users who've spent 15 minutes all week. Flag cases where nobody's logged in for a fortnight.
This isn't surveillance. It's accountability. The same kind of performance monitoring every other professional service is subject to — finally applied to NPL.
Controlled access at every level.
LENDER
Upload documents. Assign strategists. See all analytics. Revoke access instantly.
NPL STRATEGIST
Scoped to assigned cases only. Upload and view documents. Share data room with prospective buyers.
BUYER / VIEWER
View-only. No downloads. No analytics visibility. Every interaction tracked and reported to the lender.
Full audit trail — Every login, document open, page view, and Q&A question is logged with timestamp and retained for compliance.
Know you're ready before you go to market.
No more last-minute scrambles for missing documents. The platform continuously scores your data room completeness against a configurable checklist — and tells you exactly what's missing.
Use whoever you want.
We'll make sure they actually deliver.
This isn't about undermining your agents or strategists. It's not about forcing you to use us. Appoint anyone you trust. We'll give you the data to verify that trust was well placed — and the tools to change course if it wasn't.
But if you want a team that lives inside this platform, that has the highest engagement scores, that has run NPL processes on billions of pounds of distressed UK real estate — we're right here.