Skip to content

LOAN DATA AGENT

Governed calculations
for credit operations

Cardo AI can operate as your calculation agent, executing contractual computations with transparency, audit trails, and multi-party coordination.

Book a demo

OUR SOLUTION

Calculation-agent rigor, delivered as software (or service)

Contractual calculations aligned to legal documents, borrowing bases, eligibility, limits, and triggers, so outputs reflect the governing rule set, not informal spreadsheets.

Versioning ensures you can trace which configuration was in force for any specific run. Results can be traced back to rules and inputs, reducing ambiguity between parties.

Interest, principal, reserves, expenses, and payment priorities are allocated period by period with clear logic.

Each run creates a defensible record, supporting repeatable execution and reducing reliance on manual waterfall maintenance.

Trigger and covenant monitoring includes governed workflows for waivers/suspensions and supports independent oversight.

Evidence, calculations, and decisions remain visible, and exceptions are handled through a standardized process so governance does not depend on who manages the deal.

Deliver consistent reports to borrowers, lenders, trustees, and investors through a controlled workflow.

Manage exceptions within the process, and keep a clear record of what was delivered and why, so reporting stays repeatable and reliable.

$115B+
Assets Managed
with our Technology
30+
Asset Classes
3000Tn+
Data Points Integrated

USE CASES

Use cases for independent calc, governance, and outputs

01
Borrowing base certificates generated from system checks, not self-reported numbers.
02
Monthly servicer and payment reports with full versioning and audit trails.
03
Independent oversight to reduce disputes and operational risk.
04
Stakeholder workflows for approvals, clarifications, and controlled exceptions.
05
Single source of truth for data, calculations, and delivered outputs.

Related resources

Make calculations a source of trust, not friction

See how Cardo AI delivers agent grade data with software level controls.

Get started
Back To Top