Obligation tracking
Know what each borrower owes and when.
PRIVATE CREDIT & LOAN SERVICES
Governed borrower information for recurring monitoring.
Collect, normalise and validate borrower financial statements, compliance certificates and operating information, then connect each item to monitoring obligations and approved downstream use.
Overview
Borrower information control connects recurring financial statements, compliance certificates, KPI packages and other asset-level records to the obligations and monitoring processes they support. Kelton helps maintain a consistent information record, identify missing or inconsistent data and provide validated inputs to covenant, portfolio and management reporting workflows.
Our capabilities
Document intake
Collect and classify borrower reports, compliance certificates and supporting documents.
Data extraction
Extract structured financial and operating metrics for specialist validation and approval.
Quality checks
Validate reporting periods, definitions, completeness and source consistency.
Downstream feed
Provide data to covenant/reporting workflows.
Service coverage
Core records
- Borrower financials
- Compliance certificates
- KPI reports
- Loan terms/obligations
Operating activities
| Step | Activity | What happens |
|---|---|---|
| 1 | Schedule | Set due dates. |
| 2 | Collect | Receive documents. |
| 3 | Extract | Create structured data. |
| 4 | Validate | Check period/completeness. |
| 5 | Escalate | Chase missing/unclear items. |
| 6 | Publish | Feed approved data downstream. |
Reporting and oversight
- Borrower data register
- Missing/late report list
- Structured financial/KPI dataset
- Source lineage
What clients gain
Complete borrower reporting
Connect recurring financial statements, compliance certificates and operational information.
Reliable obligation tracking
Align required information with borrower obligations, due dates and downstream review processes.
Faster exception follow-up
Identify missing periods, inconsistent definitions and incomplete supporting information.
Better credit oversight
Provide validated borrower data to covenant, portfolio and management reporting workflows.
Governance and integration
Borrower Information Control is delivered through defined responsibilities, controlled records and documented review. Material exceptions, judgements and approvals remain visible and attributable throughout the operating process.
- Source citation.
- Period/version checks.
- No investment conclusion generated automatically.
Expertise and delivery
Experts behind the service.
Relevant professionals support service design, exception review and delivery governance where specialist judgement is required.
Meet our Experts & ProfessionalsTechnology that supports control.
Controlled data, workflow and review capabilities support consistent execution, transparent oversight and traceable evidence.
Explore Technology & ExpertiseConfigured around your operating model.
Services can be delivered through managed operations, technology enablement, co-sourced delivery or transition support.
See How We WorkFrequently asked questions
Can AI read borrower financials?
It can extract and compare information, but source-linked validation and specialist review are required.
How does this connect to covenants?
Approved borrower metrics feed covenant calculations under controlled definitions.
Discuss Borrower Information Control
Start with one workflow, one operating issue or one provider transition. We will map the current process, responsibility boundaries, required data and a practical first engagement.