Neptune Data / Applications / Loan & Credit Review

The whole credit file, reviewed like counsel would.

Hand it the facility — credit agreement, notes, guaranties, mortgages, security agreements — and receive a structured review with every term cited to its section, risk flags graded, and a checklist of the documents that should exist but weren't provided.

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The report

Organized the way a credit review reads

Seven sections, every item citing its source provision:

Parties & Facility

Borrowers, lenders, agents and the facility's shape.

Economics

Amounts, rates, fees and maturity — the numbers that price the deal.

Covenants

Affirmative, negative and financial covenants, each with its section cite.

Events of Default

Triggers and cure periods, as drafted — not as remembered.

Collateral & Perfection

The security package and the perfection steps it requires.

Guaranties & Reporting

Guaranties and their limits; conditions and reporting obligations.

Beyond extraction

Judgment aids, clearly labeled

Red and yellow flags — off-market terms, borrower-hostile drafting mistakes and perfection gaps surface in a graded flag list, each with its cite.
The missing-document checklist — the papers a facility of this kind should include but the package didn't: unsigned schedules, absent UCCs, missing guaranties.
Cited everywhere — every extracted term quotes its section or exhibit (§ 7.2(b), Ex. A), so verification is a lookup, not a hunt.
Re-run as the file changes — reports are saved to the matter; when documents arrive or change, run it again and compare.
Chat about the report — ask the analyst about any term with the report and documents in context.

Put a real facility through it.

The messier the package, the better the demo.

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