Solutions and Benefits - Covarity

Over 20,000 working capital loans representing more than $9 billion in outstanding balances are regularly monitored and analyzed using Covarity.

Covarity helps lenders compete better, lower costs, and create richer client experiences.


Our Solutions

Document and Data Retrieval

Client Communication

Margin Analysis

Ratio and Financial Covenant Analysis

Fraud Checks

Calculation Consistency

Back-office Efficiency

Borrower Reports

Portfolio Reports

Data Integration

Document and Data Retrieval

Securely receive data and documents from your clients via the Client Portal. Leverage Covarity to create a centralized document and data repository, ensuring that you have access to the information you need, when you need it.

Client Communication

Automate loan review reminder notifications, and leverage client-facing reports to improve transparency and client confidence. Eliminate bottlenecks in communication by automating and tracking your client communications all in one place.

Margin Analysis

Automate borrowing base calculations, whether they’re simple or complex. Ensure your financial institution’s policies are followed, whilst allowing for flexibility where needed. Whether it’s a custom certificate or a collateral listing, we’ve got you covered.

Ratio and Financial Covenant Analysis

Automatically calculate your preferred ratios to monitor a business’ health, and apply financial covenants according to the credit agreement. Set up early warning signals to help identify potential areas of risk.

Fraud Checks

Automate the discovery of data discrepancies to identify possible occurrences of fraud or otherwise faulty reporting from your clients.   Set your institution’s tolerance for data variations to help flag causes for concern without getting lost in the data.

Calculation Consistency

Ensure that your lending practices are applied consistently across the entire portfolio. Consistency in the way you operate your business is important but in cases where you need to be flexible, so are we.

Back-Office Efficiency

Let your staff spend more time on analysis and less time chasing customers for documents and doing manual calculations. Covarity’s calculations are always accurate, meaning you can make better decisions, because you have better data to work with.

Borrower Reports

Get detailed insight into the health of the business and the results of your financial analysis. Then use period-over-period trend data for easy comparisons. 

Portfolio Reports

Gain insights into your portfolio with reporting that captures high-level information at the click of a button. Compare risk, collateral, and even instances of potential fraud across your entire portfolio.

Data Integration

Feed important data such as loan balances into Covarity and export the results of your analysis to your core system via our API.

Leverage Data to Identify and Prevent Possible Fraud

Using already available data from your borrowing base and/or ratio calculations, automatically identify discrepancies in the data that may be caused by fraudulent or erroneous client reporting 


Want to learn more about how Covarity can help you? Book time with our team today.

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