Product Suite

Ingests the credit agreement and every amendment, in any format, and breaks them into defined data elements, each tied to the exact clause and definition it came from. The result is one governed set of structured data that loan servicing, fund accounting, risk and pricing systems pull from by API, with no re-keying and no version conflicts.

Ask complex questions in plain language — “After every amendment, prior basket use and the last acquisition, how much Restricted Payment capacity does the borrower have today?” — and get answers sourced to the clause, with full traceability across amendments. N21 Agents work from the governed data, so every user gets the same answer, and it connects to your own agents and tools through MCP.

Sets up each deal in your loan servicing system straight from the agreement — facilities, pricing, fees, dates and parties — and activates it without re-keying. Anything already booked is checked against the terms, and every break is traced to its source clause before it turns into a payment error.

Validates every event over the life of the loan against the governing terms before it is processed — financial (rate sets, interest and fee payments, drawdowns, repayments), operational (amendments, waivers, consents) and administrative (notices, elections, reporting deadlines). Exceptions go to review; everything else flows straight through.

Credit agreements from public filings, digitized into the same instrument structure. Benchmark terms, covenants and pricing across the market, and compute covenant headroom from each agreement’s own definitions.

The full credit instrument — automated, addressable and auditable — ready for tokenization and on-chain settlement. Document extraction stops at headline terms for people to review; on-chain needs every term and the logic that connects them.