Covenant Analysis Agent
The agent reads facility agreements, note programmes and sale agreements to identify financial covenants, undertakings and compliance thresholds. It checks consistency across the SA security package and delivers a structured, cited covenant summary your team can trust.
Ideal forLeveraged finance teams
The difference
From 6-8 hours per agreement to 15-20 minutes
Your credit and treasury teams can review whole loan books and respond quickly to breaches, waivers and refinancing questions.
Done by hand
6-8 hours per agreement
With the Vanine agent
15-20 minutes
Time returned to your team
90%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Nothing missed in long documents
Covenants, triggers and undertakings buried across the facility agreement, intercreditor agreement and security documents are captured in one structured view.
Built for SA documentation
It handles LMA-based SA law facility agreements, JSE Debt Market note programmes and SA security such as cessions in security, pledges and mortgage or notarial bonds.
A clear audit trail
Amendments, waivers and consents are tracked against the original terms, so you always know which version of a restriction applies.
Capabilities
Every covenant, threshold and waiver extracted, cited and ready to monitor.
Built for leveraged and corporate finance bankers, debt fund managers, borrower treasury teams and transaction lawyers in South Africa.
Complete covenant extraction
Extracts financial covenants, undertakings and compliance triggers from facility agreements, including LMA-based SA law forms, note programmes and sale agreements.
Threshold and trigger identification
Captures numerical thresholds, calculation methods and trigger events for each covenant, ready for ongoing compliance monitoring.
Cross-document consistency checks
Compares terms across the facility agreement, intercreditor agreement and security documents, such as cessions, pledges and bonds, to find conflicts or gaps.
Covenant hierarchy mapping
Maps hierarchies, subordination and intercreditor relationships in complex debt structures, showing which restrictions take precedence.
Amendment and waiver tracking
Identifies every amendment, waiver and consent to the original terms, creating an audit trail of how restrictions have changed.
Cited and verifiable results
Links every extracted covenant to its exact location in the source document.
How it works
From your systems to a result you sign off
Extracted terms land ready for the credit or legal lead to verify before they drive compliance testing or waiver decisions.
Connect the places your facility agreements already live.
Facility agreements, intercreditor and security documents, amendments and waivers from SharePoint or your document management system. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- Copilot Studio
- Loan administration and credit monitoring systems
- Document management systems
Microsoft Teams, Copilot Studio or OpenAI Frontier on request, or as a scheduled run when new agreements or amendments are filed.
A structured covenant schedule in Excel or your loan administration system, with thresholds and test dates ready for monitoring.
Step by step
- 01
A new agreement, amendment or waiver is saved.
- 02
The agent extracts covenants, thresholds and triggers.
- 03
It checks consistency across the facility and security documents.
- 04
It updates the covenant schedule with citations.
- 05
The credit lead reviews and approves the schedule.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"List every covenant in the facility agreement"
- facility
- R1.2bn term loan
- borrower
- Borrower Group
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your facility agreements never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your facility agreements stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your facility agreements. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR FACILITY AGREEMENTS NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
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