Private-Credit.ai Launches X-Ray Platform to Transform Private Credit Documentation Analysis
TL;DR
Private-Credit.ai's X-Ray platform gives credit managers a competitive edge by identifying documentation risks faster to make more confident investment decisions.
X-Ray uses natural language processing and structured scoring to evaluate credit agreement sections, generating real-time heatmaps of documentation strengths and vulnerabilities.
This AI platform helps create more stable credit markets by enabling better risk assessment and more informed lending decisions for financial institutions.
Private-Credit.ai's X-Ray transforms complex legal documents into colorful heatmaps that instantly reveal where credit agreements are strongest and weakest.
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Private-Credit.ai announced the launch of X-Ray, an AI-driven analytics platform that enables private credit managers to quantify and benchmark the strength of their credit documentation. According to Joseph DiTomaso, Inventor of Private-Credit.ai, private markets have long needed a transparent, data-driven way to evaluate documentation quality and covenant strength. With X-Ray, teams can now visualize documentation strength deal-by-deal, identify risks, and make faster, more confident investment decisions.
Built on Private-Credit.ai's proprietary Orion Engine, X-Ray uses natural language processing and structured scoring to evaluate key sections of credit agreements. The platform analyzes critical components including Maintenance Covenants, Debt Incurrence, Restricted Payments, and MFN Protections, generating a color-normalized heatmap that highlights strengths and vulnerabilities in real time. This represents a significant advancement for an industry that has traditionally relied on manual review processes for complex documentation.
X-Ray is part of a broader Private-Credit.ai suite that includes modules for Deal Execution Tracking, Compliance Monitoring, Shadow Ratings, and Portfolio Risk Visualization. These integrated tools help direct lenders, private credit funds, CLO managers, and institutional allocators transform document-heavy processes into data-driven insights. The platform addresses a critical need in the rapidly expanding private credit market, where traditional systems struggle to keep pace with the volume and complexity of deal documentation.
The company is actively expanding partnerships with global asset managers and service providers to integrate X-Ray into existing document and portfolio management workflows. This technology enables investment professionals to scale with precision through AI-powered document parsing and credit risk scoring, bridging the gap between expanding private markets and traditional analytical capabilities. By transforming static documents into dynamic insights, the platform helps clients identify documentation risks and opportunities that might otherwise remain hidden in complex legal agreements.
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