Best-in-class Loan Monitoring Software.

Over half of all margined loans in Canada are monitored and analyzed using Covarity.

As of 2024

Loans actively monitored
5 k+
Average loan commitment
1 M+
In committed working capital trusted
20 B+

Our Software

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Portfolio Intelligence

Automated detection of erroneous or potentially fraudulent financial reporting helps reduce your portfolio's risk.

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Margin Analysis

Calculate the value of the borrowing base according to the rules of each credit agreement automatically and accurately.

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Financial Analysis

Automate the calculation of ratios and financial covenants based on the preferred formulas of your financial institution.

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Client Portal

With Covarity, automated reminders help facilitate communication, and a secure method of transmitting financial statements from your borrowers eliminates follow up.

About Covarity

Covarity is loan monitoring software built with you in mind. With Covarity, you can improve your loan portfolio performance, whilst minimizing and managing risk. Our team has over 20 years building loan solutions for financial institutions of all sizes.

Covarity is the tool your competitors don’t want you to have. Using the right technology is a strategic advantage that helps drive improved overall performance in an increasingly competitive market, and Covarity’s users can testify to this.

Magnify glass over manual book

Improve Efficiency and Reduce Risk.

With Covarity’s portfolio intelligence, financial analysis, margin analysis, and client portal, you can profitably grow your portfolio, while monitoring and managing credit risk.

Why Choose Covarity

Streamline Data Retrieval

Automatic reminders to your borrowers with a simple and secure method of data and document transmission.

Identify and Prevent Fraud

Automatically compare the data you receive for inconsistencies that may otherwise goes unnoticed.

Accurate and Automatic Results

Reliably follow your lending practices and requirements of each credit agreement.

Backed by Constellation Software

Constellation Software Inc is one of Canada’s largest and most trusted publicly traded companies.

Hear from our clients

Discover the impact of our loan monitoring solution.
Read testimonials from clients who have experienced increased efficiency and reduced risk.

“Covarity is a user friendly program that provides an integral piece of risk management. Any questions that myself or team have are answered quickly and further explanation for learning opportunities are always provided.”

NPS Survey

Large Canadian Bank

“Covarity simplifies the process of annual reviews and margining allowing our lenders more time to build their relationships. There is time savings in having Covarity send out the reminder letters and provide analysis reports.”

NPS Survey

Large Canadian Credit Union

“It is a very easy and useful application to manage and it is also very practical to facilitate different margin and ratios calculations.”


NPS Survey

Large Canadian Bank

We can help optimize your portfolio.

Book some time with our team of experts to find out how.