Private credit
Your credit judgment, on every position you hold.
Metal keeps every credit agreement, reporting package, and monitoring note as one living Context Graph, so the whole book is read against the judgment your firm already made.
One record, the whole life of the loan.
Origination
Out-of-the-box
Underwriting
Out-of-the-box
Monitoring
Out-of-the-box
The whole book, and the one position that moved.
The quarter lands across the book.
Every reporting package comes in, and the one where headroom narrows is the one that surfaces.
This quarter, across the book
214 positions · 1 flagged
Aldergate Logistics
Brenmore Medical
Carrow Packaging
Darwell Analytics
Erdale Dental Group
Fenbridge Tooling
Greyfold Utilities
Hartmere Print
Ivorybrook Labs
Jarmond Fleet
Tarnbrook Foods
headroom narrowing
Kendon Precision
Larkfield Retail
Mowbray Energy
Norcombe Clinics
The flag carries what you decided at underwriting.
This quarter’s number sits beside the condition your team set, each with the page it came from.
This quarter
Tarnbrook Foods
1.18x
Fixed charge coverage this quarter
Compliance certificate · Q2, p. 3
1.34x at the prior test
Compliance certificate · Q1, p. 3
At underwriting
Apr 2025
Minimum fixed charge coverage of 1.10x, tested each quarter
Credit agreement · §6.1, p. 84
Covenant headroom named the key risk on this credit
Credit memo · Apr 2025, p. 8
Your review becomes how the book reads next quarter.
The conclusion joins the record, so the next borrower that moves this way is already recognized.
Tarnbrook Foods
Fixed charge coverage · floor 1.10x
Written this quarter · the next review opens on this line
Why Metal
Kept, governed, and yours
A chatbot answers the question and forgets the credit. Metal holds one governed record of what the firm has written, and runs the hard parts for you.
A persistent record
Every credit your firm has underwritten lives in the Context Graph, and it is still there the quarter you need it.
Governed and cited
Figures carry their source and their conflicts, ranked, with page citations where supported.
The hard part is ours
Entity resolution, permissions, and provenance run on Metal, so your desk gets the record without building the pipeline.
Feeds the AI you use
Metal brings your graph into Claude, ChatGPT, and your own agents, so they know your firm.
Every desk works from the same book.
Origination
Metal scores every inbound against your firm's own credit box and files the result on the company record, with the sponsor's history next to it: what they brought you, what you funded, what you passed on and why. Now attention goes to the credits that fit the box, not the ones that arrived on a quiet week.
Deal Team
Metal keeps every credit agreement, model, memo and committee conclusion on one record: the terms you accepted, the risks you flagged, the reason you got comfortable. The team underwrites the credit in front of it against what your firm actually decided on the last twenty.
Portfolio Management
Metal carries the record forward after close, so the case you underwrote, the covenants you set and every reporting period since sit on one borrower record, amendments and waivers included. The team holds the borrower to the case your own firm underwrote, not to the latest reporting package.
Investor Relations
Metal keeps every LP on one record: prior commitments, coverage, what they asked last time, where they stand in the current raise. Questions about the book draw on the same borrower records the monitoring team works from, so no two LPs get a different version of the same number.
Technology & Data
Metal structures your firm's sources into one governed Context Graph and serves it through an open API and MCP server. Your own agents and the AI your teams already use read the same current record, permissions respected, nothing retrained on your data.
Private Credit