Private debt funds today face growing complexity in managing loan portfolios, covenants, and valuations. Data is often spread across multiple tools, manual reconciliations are time-consuming, and reporting requirements keep rising.
With its new Debt Monitoring and Valuation features, ScaleX Invest provides teams with a clear, consistent view of their exposures.
The platform brings together loan repayment tracking, covenant monitoring, and the valuation of debt and convertible debt instruments — all in one environment.
Monitoring Repayments and Anticipating Credit Risk
A consolidated and dynamic view of the portfolio
The platform centralises all loan-related information — capital, interest, amortisation, covenants, and upcoming maturities.
This consolidated view enables teams to track cash flows more precisely and detect early signs of stress, whether related to repayments or covenant compliance.
Covenant monitoring and alerts to detect early warning signs
Automated alerts flag delayed payments, covenant breaches, or deteriorating performance ratios.
This proactive monitoring helps fund managers act quickly and adjust cash flow forecasts or valuation assumptions accordingly.
Credit risk analysis and internal rating
The module integrates a shadow rating system built on private credit data.
It helps teams assess each borrower’s credit quality, compare exposures, and monitor their evolution over time.
Key ratios such as debt-to-EBITDA, interest coverage, and leverage are updated automatically, ensuring a consistent view of risk and supporting the adjustment of spreads or RADR (Risk-Adjusted Discount Rate) levels when needed.
A Unified Framework for Debt and Convertible Instruments
Valuation models suited to debt and hybrid instruments
Convertible debt combines the features of a loan with the potential to convert into equity. Its valuation therefore balances fixed income returns with potential upside.
ScaleX Invest integrates both aspects within a unified approach, allowing teams to move easily between debt-based and equity-based logics depending on their assumptions.
Users can apply DCF (Discounted Cash Flow) models to value repayment flows or simulate conversion scenarios linked to future events — such as a fundraising round or a predefined valuation threshold.
Models also incorporate valuation caps and floors, non-conversion premiums, and accrued interest, ensuring consistency and comparability across instruments.
Reliable Data for Reporting and Audits
All data — valuations, repayments, and covenants — is automatically recorded and stored within the platform.
Teams benefit from a single, continuously updated source of truth that feeds directly into reporting and audit processes.
Reports for LPs are generated using verified data, while auditors can access loan schedules, risk indicators, and valuation assumptions without manual reconciliation.
This traceability strengthens transparency and reinforces the reliability of all reporting.
FAQ
How does ScaleX Invest help track repayments?
The platform consolidates capital, interest, and amortisation flows into a single view, with automated alerts to anticipate upcoming or delayed payments.
Can covenants be customised?
Yes. Each fund can define its own covenants, ratios, and alert thresholds to align monitoring with each borrower’s profile.
What valuation methods are available?
ScaleX Invest supports DCF (Discounted Cash Flow) models, accrued interest methods, and convertible debt-specific scenarios, including valuation caps, floors, and conversion triggers.
How does the platform simplify audits and LP reporting?
All data is centralised and historised, and can be exported in customised formats — ensuring consistency and transparency in communications with LPs and auditors.
Conclusion: A Clear and Consistent View of Private Debt
With these new capabilities, ScaleX Invest strengthens the ability of private debt funds to monitor, value, and analyse their portfolios.
By bringing together repayment tracking, covenant monitoring, and valuation workflows in one tool, the platform helps finance teams save time, enhance accuracy, and deliver consistent data to LPs and auditors.
