Refinancing and Hedging Agent
The Refinancing and Hedging Agent compares refinancing options for operating projects and corporate debt against your existing terms, including break costs, fees and the impact on equity returns and cover ratios. It tracks your hedging policy, interest rate swaps and FX hedges, and the obligations under your ISDA agreements against lender requirements. Your treasurer decides and executes every refinancing and hedge.
Ideal forCorporate treasurers
The difference
From 5-10 working days per refinancing comparison to 1-2 working days
Your treasury team can assess refinancing windows quickly and spend its time negotiating terms rather than compiling comparisons.
Done by hand
5-10 working days per refinancing comparison
With the Vanine agent
1-2 working days
Time returned to your team
80%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Decisions grounded in the full cost
With the repo rate at 7.25% after the September 2026 increase, the case for refinancing depends on more than headline margin. The agent sets out break costs, fees and the effect on returns and ratios, so the comparison is complete.
Hedging that stays compliant
Lenders commonly require hedging policies with minimum cover levels and approved counterparties. The agent tests your swaps and FX hedges against those requirements and flags gaps before they become covenant issues.
Operating projects that can do better
Many operating REIPPPP projects are revisiting their debt. The agent gives sponsors and asset managers a fast, consistent view of whether a refinancing improves equity returns.
Capabilities
Know when refinancing pays, and keep every hedge in line with your lenders.
Built for corporate treasurers, CFOs, project company finance teams, IPP asset managers and lenders managing refinancing and interest rate or currency hedging in South Africa.
Existing terms extraction
Reads facility agreements, fee letters and hedging documents to extract margins, tenors, repayment profiles, prepayment terms and covenants.
Refinancing option comparison
Compares term sheets from lenders side by side on pricing, tenor, amortisation, covenants, security and conditions.
Break cost and fee analysis
Estimates break costs on existing loans and swaps, prepayment fees and transaction costs, using market inputs your treasury team provides.
Returns and ratio impact
Shows the effect of each option on equity IRR, DSCR, LLCR and distribution capacity, drawing on your financial model.
Hedging policy monitoring
Tracks swap and FX hedge positions against your hedging policy and lender requirements, including cover ratios, tenors and counterparty limits.
ISDA obligations tracking
Records obligations under ISDA master agreements and SA schedules, such as confirmations, collateral terms and termination events, with alerts on key dates.
How it works
From your systems to a result you sign off
Your treasurer and board decide on every refinancing, and the treasurer executes every hedge with approved counterparties.
Connect the places your financing records already live.
Facility agreements, term sheets, ISDA documents, hedge confirmations and your financial model from SharePoint, Outlook or your treasury 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
- Treasury management systems and Excel models
- Bank and counterparty confirmations
Runs on request for refinancing analysis and on a schedule for hedge monitoring, in Teams, Copilot Studio or OpenAI Frontier.
Refinancing comparisons and return impact analysis in Excel, and a hedging compliance report with alerts.
Step by step
- 01
A refinancing opportunity or scheduled hedge review starts the agent.
- 02
It extracts terms from existing facilities, hedges and new term sheets.
- 03
It calculates break costs, fees and the impact on returns and cover ratios.
- 04
It checks hedge positions against policy and lender requirements.
- 05
Your treasurer reviews the analysis and decides on any refinancing or hedge execution.
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.
"Pull the pricing and prepayment terms"
- borrower
- Solar project company
- facility
- Senior term loan
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your financing records 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 financing records stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your financing records. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR FINANCING RECORDS 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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