Herald
Heraldlabs provides an end-to-end platform for commercial lending teams to manage the full credit lifecycle—from onboarding and KYC through underwriting, facility tracking, and ongoing monitoring—by consolidating company records, ownership data, financials, and agreement terms into a single, connected borrower view. The platform also includes a business-facing workspace where companies can respond to bank requests, share documents, and track financing deadlines.
- Financial Technology
- Software Only
- Regulatory & Compliance Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Commercial lending teams manage complex credit relationships across fragmented tools like spreadsheets, email, and legacy systems, causing context to be lost between onboarding, underwriting, and ongoing monitoring. This fragmentation slows credit decisions, increases operational risk, and makes it difficult to track covenants, documents, and follow-up actions across the life of a facility.
Solution
Heraldlabs provides an end-to-end platform for commercial lending teams to manage the full credit lifecycle—from onboarding and KYC through underwriting, facility tracking, and ongoing monitoring—by consolidating company records, ownership data, financials, and agreement terms into a single, connected borrower view. The platform structures source documents like credit agreements and financial statements into a searchable company record, enabling analysts to review evidence and track obligations in context. It also includes a business-facing workspace where borrower companies can respond to bank requests, share documents, and track financing deadlines, creating a shared environment for both sides of the relationship. The system supports workflow stages from collect and assess to structure and follow-through, with automated tracking of covenant tests, overdue payments, and missing documents.
Target Audience
Primary customers are commercial lending teams at banks, credit funds, and other financial institutions, as well as the borrower companies they work with who need a shared workspace for financing-related document exchange and deadline tracking.
Features
- Unified company record consolidating profile information, ownership data, verification status, and document requests
- Agreement intelligence that extracts structured terms from source documents such as credit agreements and financial statements
- Workflow management across four stages: onboarding & KYC, credit & underwriting, credits & obligations, and monitoring & follow-up
- Covenant tracking with automated tests, overdue payment alerts, and missing document identification
- Action assignment with owners and deadlines for follow-up tasks
- Business-facing company workspace for responding to bank requests, sharing documents, and tracking financing deadlines
- Bank relationship management with role-based access and connection-based sharing