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Your credit stack is paid for. Most of its value is not.

Semanti puts senior engineers inside private credit and lending firms. We start with the systems you already run, open up the data and workflow value trapped in them, then build AI-native layers on top. Replacement comes later, and only on evidence.

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Why this works

Not a licence to buy and not a programme to approve. A small senior team inside your firm, working on the estate you already have.

  • 01

    Forward deployed, not remote

    Our engineers sit with your deal, operations and finance teams. They learn how your firm actually lends, then build around that rather than around a vendor roadmap.

  • 02

    Credit domain, not general consulting

    Borrowing bases, delayed-draw mechanics, PIK toggles, unitranche structures, waterfalls. Our engineers start fluent, so month one is delivery rather than education.

  • 03

    We run what we build

    The platforms we deliver stay ours to operate, monitor and evolve as your strategies, structures and reporting obligations change. We are hiring the people who do it.

Extract, extend, replace

Three rungs. Most firms enter at the first, and none of them need to write off the platform investment to get value from it.

Extract

Get value out of the systems you already pay for

Allvue, eFront, Loan IQ, Solifi and the servicer and fund administrator feeds around them hold far more than they surface. We open the data, build the integrations the vendor never shipped, and put proper workflow around the gaps your team currently fills with spreadsheets.

  • Golden-source data layer across loans, facilities, borrowers and funds
  • Integrations with servicers, fund administrators, trustees and agents
  • Reconciliation and data quality checks that run before month end, not after
Extend

Build the AI-native layer the incumbent will not

Credit agreements, compliance certificates and borrower reporting still arrive as documents and get read by people. That is where AI earns its place first, and where vendor roadmaps move slowest.

  • Document ingestion for credit agreements, compliance certificates and financial reporting
  • Covenant tracking and early warning against live portfolio data
  • Borrowing base and waterfall calculation, checked back against the source documents
Replace

Replace modules once the case is already proven

By the time replacement is worth discussing, the data layer is yours and the AI layer is already running beside the incumbent. Swapping a module becomes a costed decision backed by evidence, not a migration programme sold on a promise.

  • Module by module, never big-bang
  • Evidence from the extract and extend work, not a vendor business case
  • Licence cost comes out only where the capability has already moved

What our engineers already know

Domain fluency is the reason a forward deployed team is useful in week one rather than month four.

  • 01

    Direct lending

    Unitranche, delayed-draw and accordion mechanics, PIK toggles, and the covenant sets that come with them.

  • 02

    Asset-backed and speciality finance

    Borrowing bases, eligibility criteria, advance rates, concentration limits, and the collateral reporting behind them.

  • 03

    Fund finance and NAV lending

    Capital call facilities, NAV facility monitoring, LP concentration and coverage tests.

  • 04

    Real estate credit

    Development drawdowns, valuation cycles, interest reserves, and covenant testing against appraisal dates.

  • 05

    Servicing and fund operations

    Interest accruals, fee schedules, waterfall distributions, and the reconciliations between servicer, administrator and your own books.

  • 06

    Investor reporting

    LP reporting packs, data rooms, and the regulatory reporting that has to agree with both.

Who we work with

Credit funds01

Direct lending and credit funds

Scaling from founder-led operations to an institutional platform without standing up a large engineering function first.

Speciality lenders02

Asset-backed and speciality finance

Collateral, borrowing bases and facility structures the core system only half models.

New entrants03

Banks and asset managers entering credit

Standing up a credit platform quickly, without inheriting the legacy estate.

Fund finance04

NAV and subscription line providers

Facility monitoring and coverage testing at portfolio scale.

Operators05

COOs and CTOs

Replacing spreadsheet-run operations with systems an auditor and an LP can both follow.

Work with us

Start with what you already own.

A platform review is a short, structured look at your systems, your data and your operating model, and where the value is currently trapped. There is no licence to buy at the end of it.

Request a platform review
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