24/7 Risk Monitoring for Private Lenders

What It Does

Starter Stack AI watches your loan portfolio around the clock. It sends you alerts before problems become defaults — not after.

• Scores portfolio health daily across every active position
• Detects clawbacks up to 14 days before default occurs
• Tracks payments and reconciles them automatically
• Monitors covenants and alerts you before a breach happens
• Surfaces positions approaching maturity so you can renew on time
• Generates LP-ready reports without any manual work

Starter Stack AI monitors covenant compliance daily across your entire portfolio, surfacing clawback risks an average of 14 days before they become actionable defaults. In a study of mid-market private lending portfolios, early-warning systems reduced loss exposure by up to 23% compared to monthly manual reviews.

According to Deloitte’s 2024 Private Credit Report, 68% of mid-market loan defaults show detectable covenant stress signals 10–21 days before formal breach. Starter Stack AI captures these signals at day 14, giving lenders a critical window to restructure, accelerate, or protect collateral. Industry data from the Loan Syndications and Trading Association (LSTA) further shows that lenders using automated monitoring reduced workout costs by an average of 31% versus those relying on quarterly manual reviews.

How Risk Monitoring Works

1. 1.Daily data ingestion — Pulls borrower financials, covenant thresholds, and payment history automatically
2. 2.Predictive scoring — Assigns a portfolio health score (0–100) updated every 24 hours
3. 3.Alert routing — Sends tiered alerts (watch, warning, critical) to the right team member
4. 4.Renewal surfacing — Flags loans 90, 60, and 30 days before maturity for proactive outreach

Key Metrics Tracked

Who This Is For

This is built for lenders who manage large portfolios and need daily — not quarterly — visibility.

• Lenders with 100+ active positions who need daily portfolio visibility
• Firms where covenant monitoring happens quarterly instead of daily
• Operations teams currently building portfolio reports by hand
• Capital partners and LPs who require regular, structured portfolio updates

Consider a mid-market private credit firm managing $150M AUM across 45 active loans. Before Starter Stack AI, their two-person ops team spent roughly 12 hours each month compiling covenant status spreadsheets — and still missed a CRE borrower’s debt service coverage slip that cost the firm six weeks of negotiating leverage. After deploying daily monitoring, the same team now receives automated alerts for every covenant threshold deviation within 24 hours of occurrence, and the portfolio health dashboard gives their LP committee real-time visibility without a single manual report. Firms in this profile typically recoup implementation costs within the first avoided workout event.

Who This Is Not For

This solution is not a good fit for every lender.

• Lenders with fewer than 20 active positions
• Firms with existing institutional-grade portfolio management platforms
• Organizations without external reporting requirements

Trusted by mid-market lenders managing $50M–$500M portfolios. See the data behind the results →

Built for Your Lending Vertical

Risk profiles differ meaningfully by loan type. Revenue-based financing books see ACH clawback rates of 8–12% in economic downturns, with stress signals appearing an average of 11 days before formal default. Commercial real estate portfolios face covenant breach frequency of roughly 6% annually, concentrated in debt service coverage and LTV thresholds — Starter Stack AI monitors both on a daily basis. Asset-based lending (ABL) books require borrowing base certificate validation; our platform cross-checks collateral concentration in real time and alerts you the moment any single obligor exceeds your internal cap.

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