Credit monitoring without the monthly rebuild.
Credit Monitoring rebuilds the borrower's financials every month and works out each covenant itself. Where its answer differs from the certificate, that difference is your first finding.
How it works
Set up the borrower
Add the reporting package, credit agreement, and budget, then say which covenants and checks matter — plus the adjustments you make and what you watch on this particular deal.
Rebuild the financials
One consistent P&L, balance sheet, and cash flow, whatever format the borrower sent them in.
Run the checks
Covenants recomputed independently, plus every other check set up for this deal.
Produce the memo
One monthly write-up, ready to review.
Monitoring memo
Findings, covenant status, and what was missing from the package.
Financial model workbook
This month appended to the same model, every line still tied to its source.
- 14 covenants read from the credit agreement
- 9 checks run
- 3 findings
Evidence stays attached
A number is only as useful as the evidence behind it. Every figure keeps its path back to the borrower's reporting and the loan documents — and you can ask. Question any figure in the memo, or any step behind it, and follow it down to the source document.
›Where did fixed charge coverage 1.15x come from?
Headroom trajectory, not just pass/fail
Shrinking headroom is an early warning while the covenant still passes.
Changes in the shape of the numbers
Restatements, line items that appear or disappear, budget variance opening up.
Silence
Late, missing, or unreadable reporting is itself a flagged finding.
Open source, and it runs where your data already sits.
“Where does our data go?”
Nowhere. It runs on your firm’s own systems and reads the borrower files where they already are.
“What if it doesn’t fit our process?”
Change it. The whole process is open, so your team can adapt the checks instead of waiting on a vendor.
“How does it know what’s specific to this deal?”
Because you tell it. The adjustments you make to this borrower’s financials, the covenant you watch more closely than the rest — set that up once and every month’s run carries it.
“How do we evaluate it?”
A fictional borrower is included. Run a full month on it before it goes anywhere near a real deal.
Get started
Works in Claude Cowork and Claude Code only.
- 1In Claude, open Customize → Plugins.
- 2Select Add, then Add marketplace.
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3
Copy the marketplace address and paste it in the URL input field, 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”. After that, run first monitoring 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, signed loan documents — then say “Run credit monitoring for [borrower name]” and point Claude at that folder.
Judgment stays with your team.
Credit Monitoring makes no credit decisions. It does the assembling, the arithmetic, and the checking, so analysts and portfolio managers spend their time reading the results and deciding what needs attention.