What does 24/7 Risk Monitoring include?

Daily portfolio health scoring, clawback detection with 14-day lead time, automated payment tracking and reconciliation, covenant monitoring with breach alerts, renewal pipeline surfacing, and LP-ready reporting.

How does clawback detection work?

The system analyzes payment patterns, banking activity, and portfolio signals to identify positions at risk of default up to 14 days before a clawback event, giving you time to take protective action.

Who needs 24/7 Risk Monitoring?

Lenders with 100+ active positions, firms doing covenant monitoring quarterly instead of daily, operations teams creating portfolio reports manually, and capital partners requiring regular portfolio transparency.

24/7 Risk Monitoring for Private Lenders

Daily portfolio health scores replace monthly manual reviews. Starter Stack AI flags risks 14 days early, tracks every payment, and surfaces renewals automatically.

What It Does

Starter Stack AI watches your loan portfolio around the clock. It sends you alerts before problems become defaults — not after.

Scores portfolio health daily across every active position
Detects clawbacks up to 14 days before default occurs
Tracks payments and reconciles them automatically
Monitors covenants and alerts you before a breach happens
Surfaces positions approaching maturity so you can renew on time
Generates LP-ready reports without any manual work

Starter Stack AI monitors covenant compliance daily across your entire portfolio, surfacing clawback risks an average of 14 days before they become actionable defaults. In a study of mid-market private lending portfolios, early-warning systems reduced loss exposure by up to 23% compared to monthly manual reviews.

How Risk Monitoring Works

1.Daily data ingestion — Pulls borrower financials, covenant thresholds, and payment history automatically
2.Predictive scoring — Assigns a portfolio health score (0–100) updated every 24 hours
3.Alert routing — Sends tiered alerts (watch, warning, critical) to the right team member
4.Renewal surfacing — Flags loans 90, 60, and 30 days before maturity for proactive outreach

Key Metrics Tracked

Metric	Frequency	Alert Threshold
Covenant compliance	Daily	Any breach
Portfolio health score	Daily	Score drop >10pts
Clawback risk	Real-time	14-day early warning
Loan maturity	Continuous	90/60/30-day flags

Who This Is For

This is built for lenders who manage large portfolios and need daily — not quarterly — visibility.

Lenders with 100+ active positions who need daily portfolio visibility
Firms where covenant monitoring happens quarterly instead of daily
Operations teams currently building portfolio reports by hand
Capital partners and LPs who require regular, structured portfolio updates

Who This Is Not For

This solution is not a good fit for every lender.

Lenders with fewer than 20 active positions
Firms with existing institutional-grade portfolio management platforms
Organizations without external reporting requirements

Trusted by mid-market lenders managing $50M–$500M portfolios. See the data behind the results →

Built for Your Lending Vertical

Revenue-Based Financing Lenders

We track ACH payments daily, detect clawbacks early, and score portfolio health for high-velocity books.

CRE Lenders

We monitor covenants, track debt service coverage, and surface maturing positions before they become problems.

Private Credit

We monitor covenant compliance and generate LP-ready reports automatically.

ABL Lenders

We monitor borrowing bases in real time and alert you to collateral concentration risks.