Open source credit monitoring, without the monthly rebuild.
Start each review with the borrower financials updated, covenants tested, and monitoring memo drafted.
What a finished review looks like
Every borrower reviewed, every covenant recomputed from the borrower's own reporting, and the exceptions pulled to the front. Open any figure and follow it to the document it came from.
Synthetic borrowers — a demonstration, not a real portfolio.
Every borrower reports differently. The review shouldn’t.
Bring the open source workflow into your process.
The workflow is open source. Work with us to tailor it to your agreements and review process, or run the workflow yourself.
Built around how your team monitors credit
We adapt the workflow to your agreements, covenant definitions, committee requirements, and existing reporting format.
Your agreements
Definitions, add-backs, cure rights, amendments.
Your review process
The checks, outputs, and format your team actually uses.
Start with the open-source workflow
Install it, point it at a borrower folder, and adapt it yourself.
- Runs on your own files
- Works with Claude Cowork and Claude Code
- No contract or involvement from us
You can trust the output
Every figure is source-backed and traceable to the underlying borrower document.
>Why is selvara-industrial-services 23.4% short?
Headroom trajectory, not just pass/fail
Deteriorating headroom can surface risk before a covenant is breached.
Changes in the financials
Spot restatements, reporting changes, and widening variance to budget.
Reporting gaps
Late, missing, or incomplete borrower reporting is flagged as part of the review.
The monitoring cycle stays. The manual rebuild doesn’t.
Same borrowers, same reporting cadence, same review process. The open source workflow handles the recurring work between the borrower package and the credit review, so your team starts with the analysis already prepared.
- spread
- tie
- normalize
- calculate
- check
Start with the review, not the rebuild.
The workbook is refreshed, source-linked, and ready for review. Start with variances and exceptions instead of spreading and tying out the numbers.
Review the exceptions, not the mechanics.
Covenants are recalculated from source, movements are surfaced, and the key exceptions are organized before the review reaches you.
A consistent view across the portfolio.
Each borrower runs through the same monitoring process, giving the team a consistent view of performance, covenant position, and emerging risk.
How it works
Four steps run every cycle. Two outputs come out the other side.
Set up the borrower
Bring in the reporting package, credit agreement, amendments, budget, and the checks that matter for the deal.
Normalize the financials
Map borrower reporting into a consistent P&L, balance sheet, and cash flow while preserving the link to source.
Recalculate covenants
Apply the agreement definitions and recompute covenants from source, rather than relying on the certificate.
Surface what changed
Flag covenant movement, variances, restatements, missing reporting, and other items that need review.
Financial workbook
The latest period added to the existing workbook, with every figure traceable to source.
Monitoring memo
Key movements, covenant status, exceptions, and missing items — organized for review.
Judgment stays with your team.
The workflow makes no credit decisions. It does the assembling, the arithmetic, and the checking.
Your deal data stays under your control.
Because the workflow is open source, nothing about it is a black box. Whether you run it yourself or we tailor it with you, you keep control of the files, the workflow, and the changes made to it.
Runs against the files you already use
The workflow works from your existing deal folders. No separate monitoring database for your team to maintain.
Inspect the workflow before you run it
The workflow is open source, so your team can review how files are read, calculations are made, and outputs are produced.
Change it as your process changes
Add a covenant check, change an adjustment, or update the memo format. Make the change yourself or work with us to adapt it.
Why we open-sourced it
Why inspectability and control matter when AI is working with credit files.
Our open source principles
Transparent
Read every line before you rely on it. It runs on your own systems, so nothing about the deal leaves.
Freedom
Change a check, a dashboard, an add-back. Your team does it in minutes, not a vendor in quarters.
Ownership
The whole workflow is yours, shaped to your process. How you operate AI is your operating model.
Run it yourself
Install the plugin in Claude, point it at a borrower folder, and run the first review on the sample data before it goes near a live deal.
Works in Claude Cowork and Claude Code only.
- 1In Claude, open Customize → Plugins.
- 2Select Add, then Add marketplace.
-
3
Paste the marketplace address, then click Sync.
https://github.com/100xopensource/100x-credit-monitoring - 4Click Add to install Credit Monitoring.
Start a new Cowork session and type “credit monitoring”. Then run your first review on either:
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The sample data. Fictional borrowers, no real company data. Point Claude at one of its borrower folders.
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One of your own borrowers. Put everything for the deal in one folder — reporting package, credit agreement, budget, loan documents — then say “Run credit monitoring for [borrower name]”.
Tell us how your firm monitors today.
One call about your portfolio and your reporting cycle. If the fit is there, we build your version on one borrower first.
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