Ten credit files, 87 documents, 46 prompts you can copy straight into an agent. Open a tab, pick a credit, see exactly what is in its file — then ask.
Why this page exists. Open Monitor and you see ten credit names and no indication of what is inside any of them. That makes it hard to ask a good question. This page shows you the file first — every document the agent can reach, and what is in each one — so your questions can be specific.
Every document listed below is a PDF held in the AalRisk™ SharePoint library. Alongside each one sits a text extract of the relevant terms and figures — the covenant levels, the rent roll totals, the EBITDA, the dates. The agent reads the extract, not the PDF. That is deliberate: it keeps token usage down and responses fast, and it means an agent reading a 19-document file is not re-parsing several hundred pages of boilerplate to answer one question about occupancy.
Both the PDF and its extract live in the same SharePoint library. The agent fetches them live from SharePoint at the moment you ask — nothing is cached, pre-computed, or held inside the application. Change a document in SharePoint and the next answer reflects it.
Each case gives you the document inventory, the finding the platform reached, prompts tagged by agent, and — where published — the Annual Credit Review generated from those documents alone. The prompts are a starting point, not a menu — each one is simply a question asked in the context of that agent’s role, and you can ask your own the same way.
The four Annual Credit Reviews on this page were generated from the same verified data layer the agents read — every ratio computed from a single source of truth, none transcribed. Each one surfaced something the file itself does not state: a covenant breakpoint, a projected certificate, a hedge gap.
They were produced by the platform's data layer, not by an agent you can ask. Scribe — the agent that will take "give me the annual review for Summit" and return that document — is in development. Today the reviews are published here as examples of the output; you cannot yet generate one from Monitor.
Planned deliverables: Annual Review · Quarterly Review (watchlist credits) · Amendment & Waiver Request · Extension / Maturity Memo · Investment Committee Memo · Risk Rating & Policy Exception Memo (bank) · Construction Draw Memo (bank) · Workout Options Memo (private).
The tabs matter. The agent roster differs between books: Sentinel exists only in private credit, Examiner and CRE only in bank credit. Select the mode shown on the tab before running its prompts.
We hold the $30M first-out tranche of an $80M unitranche. The sponsor moved the core IP into an unrestricted subsidiary and raised $25M of super-priority debt against it — without breaching a single covenant.
The borrower certifies 7.42x. The economic figure is 9.44x. Both are true: the $25M priming facility sits at an unrestricted subsidiary outside the credit group, so the covenant cannot see it by construction. This is the J.Crew mechanism — value leaves through permitted baskets, so no leverage trigger ever fires.
10_Compliance_Certificate.pdfthe 7.42x certification — accurate, and misleading09_Quarterly_Financials_and_ARR.pdfARR $42M; growth 8% vs 35% underwritten; churn 11% vs 5%01_Unitranche_Credit_Agreement.pdfthe covenant perimeter — and the basket that permitted the drop-down02_Agreement_Among_Lenders.pdffirst-out / last-out waterfall, 8.50x trigger03_Security_Agreement_and_Guarantee.pdfwhat our lien attaches to04_PIK_Toggle_Terms_and_Election_Notice.pdfcash interest stops above 8.00x05_Form_8K_Super_Priority_Revolver.pdfthe $25M facility, filed March 202606_Unrestricted_Subsidiary_Designation.pdfthe step that moved the IP outside the covenant07_IP_Assignment_and_License_Back.pdfthe transfer itself08_Super_Priority_Intercreditor_Agreement.pdfwho gets paid first nowWe hold $20M second lien behind Goldman Sachs BDC's $80M first lien. EBITDA has fallen three quarters running. The Q3 2025 compliance certificate is 45 days overdue.
EBITDA went $22.1M to $20.3M to $18.5M — $1.80M a quarter. The covenant breaks at $17.71M. The cushion was $0.79M, less than half a quarter of decline. Project the trend and Q3 2025 lands at $16.7M — leverage 7.43x, covenant broken. Q3 2025 is the certificate that has not arrived. A borrower with a passing certificate delivers it.
04_Notice_of_Overdue_Compliance_Certificate.pdf45 days overdue, 10-day cure lapsed = reporting Event of Default05_Financials_Q2_2025.pdfthe last data we have — EBITDA $18.5M, leverage 6.70x06_Moodys_Rating_Action.pdfCaa1 / CCC+, one notch above default range01_Second_Lien_Credit_Agreement.pdf7.00x leverage covenant, 1.25x interest coverage, 2 equity cures02_Intercreditor_Agreement.pdf180-day standstill — we cannot enforce03_Second_Lien_Security_Agreement.pdfour lien, behind $80M first lien$45M first lien. Adjusted EBITDA of $26.2M includes $3.8M of add-backs. The covenant steps from 6.50x to 6.00x at Q4 2026.
Certified leverage is 6.07x against a 6.50x covenant — 6.6% headroom, compliant today. But the covenant steps to 6.00x at Q4 2026, and 6.07x already exceeds it. Absent a $0.3M EBITDA improvement, the step-down is an automatic Event of Default with no change in performance. On reported EBITDA — before add-backs — leverage is 7.10x.
02_Compliance_Certificate.pdf6.07x certified — already through the step-down03_EBITDA_AddBack_Bridge.pdf04_Financials_Summary.pdfreported EBITDA $22.4M + $3.8M add-backs = $26.2M adjusted01_First_Lien_Credit_Agreement.pdf6.50x now, steps to 6.00x at Q4 202605_First_Lien_Security_Agreement.pdf$30M of a $100M first lien, plus a $50M delayed-draw facility with $30M undrawn. Medicare is 41% of revenue.
Leverage is 5.81x against a 6.00x covenant — 3.1% headroom, inside the 5% CRITICAL threshold. The covenant steps to 5.50x at Q4 2027 and 5.81x already exceeds that level by 0.31x. The registry recorded this as a future risk. It is not a future risk.
03_Compliance_Certificate.pdf5.81x certified — the step-down is already breached04_Financials_and_Regulatory_Note.pdfEBITDA $17.2M; Medicare 41% of revenue01_First_Lien_Credit_Agreement_with_DDTL.pdf6.00x stepping to 5.50x at Q4 2027; $50M delayed-draw02_DDTL_Commitment_and_Ticking_Fee.pdf$30M undrawn, 1.00% ticking fee, ~9 months left05_First_Lien_Security_Agreement.pdfcollateral is reimbursement-dependent receivables$50M first lien on contracted generation assets. Brookfield sponsor, investment grade, monthly reporting provided without being asked.
Leverage 4.21x against a 5.00x covenant — 15.8% headroom. DSCR 1.62x against 1.30x. Contracted revenue, an investment-grade sponsor, an independent engineer's report on file. This is the private-book benchmark, and it is here so you can watch the platform say so.
02_Compliance_Certificate.pdf4.21x — 15.8% headroom03_Contracted_Revenue_Summary.pdf04_Financials_and_IE_Report.pdfEBITDA $38M; independent engineer's report01_First_Lien_Credit_Agreement_Project.pdf05_Security_and_Account_Control.pdf