For banking and finance teams
AI for the facility and the security package
A private platform for banking teams that reads the finance suite, tracks conditions precedent, and monitors covenants across a portfolio of deals. Deployed in your own cloud and owned by your firm.
Built by the team behind AI delivery for
The shift
The standard form is the easy part
The vast majority of European syndicated loans are written on Loan Market Association standard forms. The boilerplate is familiar. The risk sits in the negotiated schedules, the covenant package, and the long conditions precedent list, and in keeping track of all of it once the deal closes.
When an agent reads the whole suite and pulls the negotiated terms into one place, the team works from a clear view rather than cross-referencing definitions by hand. The condition is that every term links back to the clause it came from, so nothing is taken on trust.
Where AI moves the needle first
Built for the work banking teams actually do
These are where most banking teams start. CompleteFlow is a platform your team configures and extends, so the list grows as your practice finds its own highest-value work.
The finance suite into one grid
Extract the negotiated terms across the facility agreement, security documents, and guarantees into one reviewable grid: margin, tenor, financial covenants, permitted baskets, mandatory prepayments, and the security package. Non-standard terms are flagged for a lawyer to check.
Conditions precedent checklist
Pull the conditions precedent from the facility agreement into a tracked checklist and follow each one through to drawdown, so the team can see at a glance what is outstanding and who owns it.
Covenant monitoring across the portfolio
Track financial covenant tests and reporting deadlines across many facilities at once, with upcoming tests and possible breaches surfaced for the team to review before they become a problem.
Cross-agreement questions, answered from source
Ask a question across the finance documents, an intercreditor point, a definition, an event of default, and get an answer with a citation to the exact clause behind every line.
Term extraction
Read the finance suite into one grid
Best in class extraction reads the facility agreement, security documents, and guarantees and pulls the same negotiated terms from each into one reviewable grid. Non-standard terms are flagged for a lawyer to check, and every value links back to the exact clause it came from.
| Facility | Margin | Leverage covenant | Final maturity |
|---|---|---|---|
| Project Halyard SFA | 3.25% + SONIA | 3.50x | 18 Dec 2029 |
| Meridian RCF | 2.75% + SONIA | 3.00x | 30 Sep 2028 |
| Calder Group TLB | 4.00% + SONIA | 4.25x | 12 Mar 2031Non-standard |
| Northwind Bridge | 3.75% + SONIA | None | 01 Jun 2027 |
| Anchor Yard SFA | 3.10% + SONIA | 3.50x | 25 Mar 2030 |
Covenant monitoring
See the next test before it lands
The platform tracks covenant tests and reporting deadlines across a portfolio of facilities and prepares a briefing on what is coming up and where a breach may be forming. Nothing is acted on without the lawyer, who reviews and approves.
Calder Group TLB, leverage test approaching
Q2 leverage is tested on 30 June. On the latest figures headroom is tight at 4.10x against a 4.25x limit, and the compliance certificate is due within 10 business days.
- Test due Meridian RCF interest cover is tested on 30 September. The reporting pack has not yet arrived from the borrower.
- Inbox Agent bank circulated a compliance certificate for review before the deadline.
- Public record A new charge was registered against Calder Group at Companies House overnight, matched to your facility.
Why CompleteFlow
A platform you own, not a one-off build
CompleteFlow is a platform deployed in your own cloud that your team configures and extends: term extraction, conditions precedent, and covenant monitoring across every facility, customised to your precedents and house style.
You choose any frontier model and switch as the field moves, your data stays isolated with zero training and zero retention, and you own what we build. The result is an edge that compounds, not a project that ends.
Private by architecture
Built for confidentiality and the SRA Code of Conduct
CompleteFlow runs as a single-tenant instance in your own infrastructure, with frontier models accessed under zero training and zero retention agreements. The platform is designed with the SRA Principles in mind:
- ✓ Client confidentiality maintained: deal and borrower data stays within your deployment environment and is never used to train models
- ✓ Information barriers respected: agents sign in as each user and see only what that person is permitted to see
- ✓ Competence supported: every extracted value links to source, so lawyers can verify and take responsibility
- ✓ Supervision built in: human-in-the-loop review before anything leaves the firm
Read more on the security and compliance page or the trust centre.
Frequently asked questions
How does it handle heavily negotiated facility terms? +
The agent reads the whole finance suite and pulls the negotiated terms into one grid: margin, tenor, financial covenants, permitted baskets, security, and guarantors. Anything off the standard form is flagged for a lawyer to check, and every value links back to the clause it came from.
Can it monitor covenants across many facilities? +
Yes. The platform can track financial covenant tests and reporting deadlines across a portfolio of facilities and prepare a briefing on upcoming tests and possible breaches. Nothing is acted on without a lawyer, who reviews and approves.
Is confidential deal and borrower information safe? +
CompleteFlow runs as a single-tenant instance in your own cloud. Deal and borrower data stays within your environment with zero training and zero retention on the frontier models, and agents respect the access controls in your document management system.
Which systems does it connect to? +
Agents connect to iManage, NetDocuments, Microsoft 365, and your practice systems through the Model Context Protocol, with your existing permission model respected.
See what AI built around your banking practice looks like
Book a confidential 30-minute discussion. We will map the highest-value opportunities across your finance work and outline a path to production.
Book a strategy session