Private Credit Underwriting and Portfolio Monitoring Software

Intrepid is a financial intelligence platform built for private credit funds, family offices, and institutional and alternative lenders. Every deal, from your brokers, your sponsors, or direct, comes into one place and is checked against your credit box. Your team requests or uploads the documents. Intrepid turns them into spreads in minutes, assembles the credit memo, and keeps tracking each borrower after funding. Intrepid is not a lender.

A credit box is the set of criteria a deal has to meet before your team spends time on it. In Intrepid you define it by funding type, amount, industry, geography, revenue range, collateral type, debt service coverage, debt to EBITDA, non sufficient funds (NSFs), and Uniform Commercial Code (UCC) lien positions. Every deal is checked against it first. Deals that fit move ahead, and deals that don't are flagged in minutes with the reason.

Lenders on Intrepid fund deals from about $25,000 up to $100 million, depending on the lender. You set the minimum and maximum amount in your credit box, and a deal outside the range you set is flagged with the reason before your team spends time on it. Intrepid is built for asset based lending, working capital, factoring, equipment finance, acquisition financing, revenue based financing, merchant cash advance, and venture debt.

Yes. Intrepid turns bank statements, tax returns, financials, and receivables and payables agings into spreads in minutes, calculating global cash flow, debt service coverage ratio, borrowing base, and customer concentration with your formulas. Every number traces back to its source document, and the credit memo assembles for credit committee in your own format, so analysts review instead of rekeying.

No, Intrepid's AI does not make lending decisions. Intrepid checks each deal against the credit box your team defines, spreads the documents with your formulas and your credit policy, and traces every number back to its source document. Results are aligned to your credit box rather than a generic risk model, so your credit committee sees how each result was reached. Your team makes the lending decision.

Yes. As part of AI powered underwriting, bank statement analysis covers cash flow, deposit patterns, NSF events, lowest daily balances, merchant cash advance (MCA) detection, and fraud signals, with review time down from hours to minutes. Your team can upload statements, or borrowers can connect their bank accounts through MX and their accounting through Codat.

Intrepid keeps monitoring every borrower after funding. On your schedule, or on demand, it requests the documents you need, updates the borrowing base, and tracks every borrower's trends. For asset based lenders, that puts borrowing base software and portfolio monitoring in one place. You see deterioration early, and you see which borrowers are growing and ready for more capital.

No, Intrepid works alongside the systems you already use, so nothing has to be replaced. Your credit box stays, and your data stays yours. Data connections include MX for account aggregation, Codat for accounting data, QuickBooks for general ledger, receivables, payables, and revenue exports, Zapier for workflow automation, Salesforce for CRM, and Microsoft single sign on. Push and pull APIs and webhooks connect Intrepid to your CRM or loan origination system.

Intrepid is a financial intelligence platform for the credit work, while a loan origination system often manages the loan file from application through closing. Intrepid checks each deal against your credit box, spreads the financials, assembles the credit memo, and monitors each borrower after funding. It does not have to replace a loan origination system, because push and pull APIs and webhooks connect it to the systems you already use. Brokers, sponsors, and borrowers can also submit one standardized application through your white labeled Intrepid portal.

Implementation typically takes one to two weeks when your team takes borrower applications through Intrepid. Receiving deals as a funding partner takes a couple of hours. Nothing has to be replaced: your credit box stays, spreads follow your formulas, and Intrepid runs white labeled under your brand. Data connections such as MX, Codat, and QuickBooks, along with push and pull APIs and webhooks, connect Intrepid to the systems you already use.

Intrepid is subscription based, with no per deal fees, and takes no spread. Pricing is set by volume, feature set, and term length, with month to month and annual agreements available. For pricing on your volume, talk with our team.

Your brokers submit through your white labeled portal with one standardized application across funding types, so their deals arrive structured and complete, under your brand. As an Intrepid client, you can also meet our broker network, a network of brokers whose deals are checked against your credit box before you see them. You work with every broker directly, and existing relationships and splits stay as they are.