Articles
June 4, 2026
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Of analyst time spent on data assembly instead of analysis
Disconnected systems the average private credit manager runs today
To produce quarterly LP reports on legacy infrastructure
Instrument complexity, covenant structures, and LP reporting built in from day one. Not adapted from a generic CRM or ERP.
Every position, covenant, and LP obligation updated continuously. Your IC and monitoring team see the same data.
Default configuration already reflects how private credit operations work. No year-long project. No professional services lock-in.
Implementation team includes former credit analysts and portfolio managers who understand your workflows.
Every module draws from the same live
record. One number, one source.
Normalised at ingestion from APIs, Excel,
PDF and direct feeds.
IRR, MOIC, DPI, TVPI, covenant
compliance -
live, not an export.
Automation replaces manual workflows
that
grow linearly with AUM
Encrypted at rest, HTTPS in transit, RBAC,
full audit trails.
Capital calls, LP reports, covenant testing - quarters close in days.
Pepper AI operates across the entire platform - document ingestion, covenant early warning, stress testing, and deal due diligence - on your structured investment data, not generic models.
From deal origination to LP reporting, every workflow runs on Pepper's unified data spine — so your team stops rebuilding the picture from disparate systems.
Deal pipeline
AI-powered
Deal structuring &
Portfolio monitoring &
Portfolio valuation
Cash flow & capital
Covenant compliance
Relationship
Document
Fundraising & IR
Fragmented stacks create fragmented data. Pepper consolidates deal management, portfolio monitoring, covenant compliance, investor reporting, and analytics onto one unified data spine — so data entered once flows automatically to every downstream workflow.
Retrofitted from banking or public markets software - built for a different asset class, patched to work for private credit
Contact databases designed for sales pipelines, not for borrower relationships, syndicate structures, or LP mandates
Version control risk on every file. Quarter-end scrambles. Reconciliation between what the model holds and what gets reported
Bolt-on visualisation that requires clean, connected data to work — which most private credit operations don't have
Fund admin portals, data aggregators, agent bank feeds — each with their own format, cadence, and reconciliation requirement
Instrument complexity, covenant structures, and LP reporting logic built in from day one — not bolted on
Every borrower, sponsor, intermediary, and LP connected to the deals and funds they are associated with — not a contact card
Pepper tracks every investment across Investment, Fund, Portfolio, and Asset levels simultaneously. Drill down into any position for underlying detail, or roll up using any hierarchy - by fund, strategy, geography, or vintage - with no manual aggregation.
IRR, MOIC, DPI, covenant compliance rates — calculated from live data, not a separate model your analyst runs manually
All sources normalised at ingestion into a single structured data model — one record, one number, traceable to every downstream output
Most AI tools for investment management are trained on generic data and produce outputs that sound plausible but cannot be verified against your actual portfolio. Pepper AI is different — it operates on the structured, investment-grade data that the Pepper platform curates every day for your business. We built the data foundation first. The AI second.
CIMs, term sheets, and borrower financials processed in minutes. EBITDA, leverage, coverage ratios, and advance rates extracted and mapped directly to deal records. Your analyst reviews output and applies judgment - not the source document line by line.
Time saved: 3-5 hours per deal on data extraction and entry
Financial patterns in portfolio company data analysed continuously against each credit agreement. Margin compression, working capital deterioration, and coverage ratio decline flagged 60-90 days before a technical breach - time to act, not just record.
Use case: FCCR, LTV, and borrowing base covenant testing
Run 20 parameterised stress scenarios across your full book in the time it used to take to run three. Rate sensitivity, sector shocks, default rate cycles - modelled simultaneously. Your IC sees the full range, not the two scenarios your team had time to build.
Output: IC-ready scenario tables from live position data
Pepper's due diligence agent works autonomously across the full pre-investment
workflow - ingesting the CIM, extracting financial data, running it against your investment criteria,
surfacing comparable transactions, flagging key risk factors, and assembling a first-draft credit
memo- all before your analyst has finished reading the teaser.
The agent doesn't replace your investment judgment. It eliminates the hours of data assembly that
precede it, so your team arrives at the analysis stage with a structured view of the deal already in
hand. Every output is traceable to a source document and overridable by your team at any point.
Covers: CIM ingestion → financial extraction → criteria scoring → comparable surfacing → risk flagging → credit memo first draft
Practitioner-level insights on private credit operations, AI in investment management, and building institutional infrastructure for private credit managers.
Articles
June 4, 2026
By providing your email, you will shortly receive the latest report from Pepper.
In a 45-minute session, we'll walk you through how Pepper handles the workflows your team runs today — deal management, portfolio monitoring, fund operations, or LP reporting. You pick the priority.
Not a sales call. A 30-minute conversation with a Pepper practitioner about where your operation is today, where the pressure points are, and whether a platform approach makes sense for your stage of growth.