Translate IC approval into enforceable contractual control. Covenants. Conditions precedent. Security perfection. Collateral valuation. KYC and legal clearance. No funds release until every condition is closed and the Authorization Memo is signed.
Five activities. Typically two to six weeks between IC approval and first disbursement, depending on collateral and jurisdiction. The output is a live facility every later phase can monitor and enforce.
CPs, CSs, and ongoing covenants sequenced
Selected and calibrated against fragilities
Every fragility carries monitor, trigger, action
Valuation, perfection, KYC clearance
Final checklist signed, funds release gate
The structuring discipline that turns IC approval into enforceable contractual control. Pick a deal type. Build the covenant pack. Watch coverage validate in real time.
Select a deal type. The system pre-loads the matching fragilities and recommended covenants. Tick covenants from the Standard Menu. Pack coverage and density validate live against the rule that every material fragility carries a monitor, a trigger, and an action. Output is a draft term-sheet covenant section.
Launch the demo →Five tools turn IC approval into enforceable control. Each is built from decades of advisory work in markets where audited statements are scarce. We help you pick the ones that fit your process.
Master control tool. Translates IC conditions into a sequenced register classified as CPs, CSs, and ongoing covenants. Waiver governance built in.
Modular catalog organized by liquidity, profitability, leverage. Each covenant carries a definition, frequency, use case, early warning trigger, and calibration guidance. Working capital, term loan, agriculture seasonal, and FI lending packs included.
The signature Q-Lana piece. Maps every fragility class to what to monitor, why, trigger threshold, action when triggered, and structural controls. Rule: every material fragility carries a monitor, a trigger, and an action.
Standardized valuation methodology. Perfection checklist by jurisdiction and asset class. Re-valuation cadence linked to deal type.
End-to-end SOP across eleven stages from IC Minutes to Handover. The Authorization Memo is the gate. No funds release without it.
Add quote from a Head of Credit Operations or Legal Counsel. Theme: how covenant calibration improved enforcement and reduced waivers.
[Name, Title, Bank or DFI]
A covenant pack is not a wishlist. Every covenant in the term sheet either gets monitored, triggered, and acted on, or it is decoration. The structuring discipline ends here. Every fragility identified at due diligence carries a monitor, a trigger, and an action through to disbursement. What cannot be enforced is removed before it is signed.
Forty-five minutes. We map every covenant against the risk-to-control rule and tell you which ones live in the term sheet but not in your monitoring system.
Curated news with practitioner commentary. One Deep Dive. One applied tool. Read in fifteen minutes. Used the same week.