Binocs Portfolio Monitoring System is an AI-enabled platform designed to improve operational efficiency and risk management for institutional lenders and borrowers. It automates loan repayment tracking with real-time accuracy, generates amortization schedules automatically, sends email reminders, and provides portfolio-level analysis of loans, covenants, and financials. Additionally, it supports ESG (Environmental, Social, Governance) tracking to help lenders monitor compliance and risk proactively. The system leverages advanced AI and analytics to reduce delinquencies, forecast cash flows, and enable timely interventions, thereby enhancing portfolio performance and decision-making for private credit funds, banks, and other non-banking lenders.

Key Features

Automatic Loan Amortization Schedule Generation Automatically creates detailed loan repayment schedules to track borrower payments accurately and in real-time.

• Eliminates manual schedule creation
• Ensures precise repayment tracking

Automated Email Reminders and Notifications Sends timely alerts to borrowers and portfolio managers to improve compliance and reduce missed payments.

• Enhances borrower communication
• Reduces delinquencies

Portfolio-Level Analysis of Loans, Covenants, and Financials Aggregates and analyzes loan portfolios to provide insights into covenant compliance and financial health.

• Monitors loan covenants automatically
• Supports risk identification and mitigation

ESG Tracking Integrates Environmental, Social, and Governance factors into portfolio monitoring to support sustainable investment practices.

• Tracks ESG compliance
• Helps align portfolio with responsible investment criteria

AI-Powered Data Processing and Analytics Utilizes AI to extract and analyze complex financial data from diverse documents with high accuracy.

• Supports various file formats including PDFs, images, and scanned documents
• Provides ratio and trend analysis for financial statements

Benefits

Improved Operational Efficiency Automates manual tasks such as data extraction, covenant calculation, and repayment tracking, saving time and reducing errors.

• Streamlines workflows for credit and investment teams
• Converts hours of manual work into minutes

Enhanced Risk Management Enables real-time risk tracking and early detection of potential portfolio issues through advanced analytics and AI insights.

• Proactive risk mitigation
• Better portfolio performance

Accurate and Transparent Deal Monitoring Delivers reliable, up-to-date information on loan repayments and financial health, supporting faster and more confident investment decisions.

• Transparent data processing
• Facilitates informed adjustments in portfolio management

Supports Diverse Institutional Lenders Designed for private credit funds, banks, non-banking lenders, and structured finance teams to meet their specific operational needs.

• Flexible for multiple lending contexts
• Scalable for various portfolio sizes