Private credit, modelled properly
From bilateral loans to private credit funds, model interest and PIK correctly, with every loan and its collateral in one place.
Model any loan, and watch it land in the client's net worth
Set up a loan the way the agreement actually reads: amortising, interest-only or interest-capitalising, on any day-count convention and frequency. Deferred (PIK) interest compounds correctly in the background, and rate changes or one-off payments recalculate the schedule instantly. Then connect the scenario to the wealth model, where it becomes a linked asset and liability.
Loan summary
Senior facility, Borrower A
$8.0m drawn · contract 8.0% / pay 5.0% · matures Jun 2029
- Repayment typeInterest-only (balloon)
- Day countActual/360
- Deferred interest3.0% capitalising
Illustrative figures.
Sound familiar?
What’s broken today
- Loan schedules in a spreadsheet, and the controller who built it left last year
- A rate change or PIK toggle means re-building the whole amortisation schedule by hand
- Loan amendments live across three email threads, one DocuSign account and a shared drive
And this is for you if…
- Families deploying capital into direct loans
- Investors building private credit allocations
- Controllers tracking loan schedules and maturities
Every facility, modelled at facility level
Economics
Accruals and PIK
Track interest accruals, PIK toggles and OID across every facility, automatically.
- Interest accruals and PIK tracking
- Rate changes and ad-hoc payments recalculate live
- Effective yield calculation per loan
Monitoring
Scenarios and accrual transparency
Compare loan scenarios side by side and see exactly how interest builds, day by day.
- Compare up to four scenarios side by side
- Interest savings and balance trajectory at a glance
- Day-by-day interest accrual breakdown
Documents
Borrower and collateral vault
All facility documents, amendments and reports linked to the right loan and borrower.
- Facility agreements and amendments
- Borrower financials and KPI updates
- Collateral schedules and valuations
What good looks like with Asora
Yield and accruals you can trust
Schedules that recalculate the moment terms change
One vault for every loan document
“The security features and data protection measures Asora provides were a key factor in our decision. We've reduced files being sent via email by over 50%.”
Paul Bakker
Omnia Capital Partners
Frequently asked
Do you handle PIK and OID?
Yes. PIK accruals and OID amortisation are modelled at the loan level, with the deferred shortfall capitalised into the balance.
Can I compare different loan scenarios?
Yes. Save named scenarios and compare up to four side by side, with interest-savings figures and balance-trajectory charts.
Where to go next
Related solutions
From the blog
- Private Asset ManagementFrom bilateral loans to private credit funds: what good management looks like.
- Private Asset Tracking Best PracticesAccruals, covenants and document vaults for illiquid credit.
- Alternative Investments Tracking for Family OfficesBooking private credit and loans alongside the rest of the book.
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