Autonomous Credit Intelligence
Built for credit teams running $500M–$5B loan books with 2–10 analysts. ClearTrack works around the clock so your team can focus on decisions, not data gathering.
Why ClearTrack
Connect your data, configure your covenants, go live. No multi-quarter implementation project. No dedicated IT resources.
Three tiers, published on this page. No custom quotes, no 90-day procurement, no "contact sales for pricing." Sign up today.
Risk doesn't wait for your review cycle. ClearTrack watches every facility around the clock and surfaces issues the moment they form.
What ClearTrack monitors
Every facility in your portfolio, watched on all six dimensions — automatically.
Tracks loan-to-value ratios against current collateral valuations. Flags drift toward threshold before it becomes a breach.
Monitors debt service coverage ratios against loan covenants. Alerts the moment a borrower's DSCR approaches or breaches minimums.
Tracks when appraisals age beyond acceptable windows by asset class. Surfaces outdated valuations before examiner review.
Detects payment timing shifts, partial payments, and delinquency patterns across ABL, CRE, and C&I facilities before they escalate.
Monitors portfolio-level sector exposure against policy limits. Flags when any single industry approaches concentration thresholds.
Identifies early signs of financial stress — margin compression, revenue decline, leverage increases — from submitted financials and public data.
ROI Calculator
Dial in your portfolio. See the real math — labor reclaimed, losses caught earlier, and net value created.
Assumptions: Facilities per $100M = 4 (industry heuristic for diversified commercial books). Monitoring hours per facility per review = 3 hrs (covenant test) + 1 hr (collateral check). ClearTrack automates 85% of routine monitoring tasks. Blind-window breaches: quarterly = 90-day window; monthly = 30-day; annual = 365-day. ClearTrack detection window = 1 day. Breach probability modeled as 2% of facilities per blind-window cycle. Avg loss-avoidance per early catch = $250K (illustrative; your actual figure depends on portfolio mix and workout costs). This calculator is for estimation purposes only.
Pricing
No enterprise sales cycle. No hidden onboarding fees. Cancel any time.
Up to $250M loan book
Up to $2B loan book
Unlimited loan book
From the founder
I spent a decade in commercial credit — first underwriting CRE loans at a regional bank, then running credit risk for a mid-market direct lender. Every cycle, I watched the same thing happen: a covenant breach or collateral problem would surface six weeks after it was visible in the data, because nobody had time to look. The tooling we had was built for compliance documentation, not early warning. ClearTrack is what I wish we'd had — an AI that reads the portfolio the way a seasoned credit analyst would, every hour, and only interrupts when something actually needs attention.