Loan Monitoring & Collateral Analysis Software

Monitor your loan portfolio with live cash-flow intelligence.

Ned is loan monitoring software that gives lenders real-time collateral analysis, automated covenant tracking, and continuous portfolio monitoring. Live borrower bank data powers every risk signal — so you catch problems before they become losses.

  • Live borrower cash-flow data for real-time collateral analysis — not quarterly spreadsheet reviews
  • Automated covenant tracking and early warning signals across your entire portfolio
  • Deploy in 4–8 weeks — no platform migration, no IT overhead
No commitment. Typically live in 4–8 weeks.
SOC 2 certified Purpose-built for community banks, CDFIs & small business lenders
Trusted by lenders using Ned for loan portfolio monitoring
CIC Pathway Lending SERCAP, INC. Lending Ave AltCap California Growth Partners Arizona
Why lenders switch to Ned
Built differently from legacy loan monitoring tools
Legacy Monitoring & Manual Processes
  • Collateral analysis based on quarterly reviews and outdated financial statements
  • Manual covenant tracking in spreadsheets — slow, inconsistent, and error-prone
  • Risk signals surface after the problem is already a loss
  • Loan monitoring disconnected from origination and underwriting data
  • Built for large institutions — overkill for community lending teams
  • Staff spend hours pulling data instead of acting on risk signals
vs
Ned
  • Live borrower bank data powering continuous collateral analysis
  • Automated covenant tracking — real-time alerts when thresholds are breached
  • Early warning signals built in — act before risk becomes loss
  • One connected platform from origination through ongoing portfolio monitoring
  • Purpose-built for U.S. community banks, CDFIs, and small business lenders
  • Teams freed to focus on risk response, not data gathering
Ned Pulse
Loan monitoring that never sleeps

Pulse tracks borrower account health in real time — flagging missed payments, covenant breaches, low balances, and repayment risk before they become losses.

Ned Pulse dashboard showing real-time signals, payment readiness breakdown, balance history, and servicing workflows

Pulse — Real-time signals, payment readiness, and automated servicing workflows

not ready for a call yet?

Try Ned yourself — no signup, no wait.

Walk through the loan monitoring platform at your own pace. See how Ned tracks borrower health, flags covenant breaches, and surfaces collateral risk signals — all in an interactive demo you can explore right now.

Interactive product demo

5-minute self-guided walkthrough of the full platform.

Launch the demo →
how ned works

Continuous loan monitoring,
powered by live data.

Most loan monitoring tools rely on quarterly reviews and manual checks. Ned connects live cash-flow intelligence to every borrower in your portfolio — so risk signals surface automatically, not after the damage is done.

01

Connect borrower data

Borrowers connect their bank accounts at origination. Ned keeps that connection live after close — pulling real-time transaction data so your monitoring team always has a current financial picture.

Always-on borrower visibility
02

Track covenants automatically

Set covenant thresholds once. Ned monitors borrower cash-flow performance continuously and alerts your team the moment a threshold is approached or breached — no manual spreadsheet reviews.

Automated covenant tracking in real time
03

Analyse collateral risk

Live cash-flow data powers continuous collateral analysis. Ned surfaces changes in borrower financial health that affect collateral coverage — so your team can act before risk compounds.

Proactive collateral risk management
04

Act on early warnings

Automated alerts, portfolio-level dashboards, and borrower health scores give your team the signal and the context to intervene early — protecting portfolio quality without manual check-ins.

Catch risk before it becomes a loss
built for smarter loan monitoring

What Ned means for
your portfolio monitoring.

Real-time risk visibility

With live cash-flow data connected to every borrower, your monitoring team sees risk signals as they develop — not weeks or months after the fact. No more relying on quarterly reviews to spot problems.

🔍

Automated covenant tracking

Stop tracking covenants in spreadsheets. Ned monitors every threshold continuously and alerts your team the moment something changes — consistent, auditable, and always current.

📈

Scale without the strain

Ned's loan monitoring system grows with your portfolio. Add borrowers, expand programmes, or launch new loan products — without hiring additional monitoring staff or rebuilding workflows.

🤝

Connected from origination

The intelligence you gather at intake travels with the loan. Ned keeps origination data, underwriting analysis, and post-close monitoring in one connected system — no data handoffs, no gaps.

🛡️

Compliance built in

Audit trails, role-based access, and secure data management are part of the platform — not add-ons. Ned keeps your institution compliant and defensible without adding overhead.

🎯

Construction loan visibility

For construction and project-based loans, Ned provides ongoing cash-flow monitoring that tracks borrower financial health through every draw and milestone — not just at closing.

the ned platform

Start with monitoring.
Scale to the full platform.

Deploy Ned's loan monitoring tools or start with the full connected platform — from origination through ongoing portfolio management.

Want to see loan monitoring in action? We'll walk you through a live demo tailored to your portfolio and monitoring workflow.
Ned Spotlight
The monitoring baseline starts at origination

Borrowers connect their bank accounts at intake. Ned establishes a live cash-flow baseline that carries through underwriting and into ongoing portfolio monitoring — one connected data source.

Ned Spotlight dashboard showing live cash flow trends, account balance, inflow and outflow data, and a 90% readiness score

Spotlight — Cash flow trend, live balance, and borrower readiness at a glance

by the numbers

Built for lenders who take
portfolio monitoring seriously.

4–8wks
Average time to go live with guided onboarding
SOC2
Enterprise-grade security and compliance
hear it from the founder

Why lenders are choosing
Ned for loan monitoring.

Dave Silverstein, CEO of Ned, explains how live cash-flow intelligence transforms portfolio monitoring — and why purpose-built loan monitoring software matters for teams that need real-time borrower visibility.

  • Why legacy monitoring tools miss what matters most
  • How live bank data replaces quarterly manual reviews
  • What automated covenant tracking looks like in practice
  • The case for going live in 4–8 weeks, not 18 months
Book a Demo with Dave →
Dave Silverstein · CEO, Ned
questions monitoring teams ask us

We've heard your concerns.
Here's the straight answer.

"Do we need to replace our existing loan management system?"
No. Ned is designed to fit into your existing workflow, not replace it. Add live loan monitoring, collateral analysis, and covenant tracking to your current process — no platform migration, no IT headaches.
"How does connecting borrower bank accounts work securely?"
Ned is SOC 2 compliant with enterprise-grade encryption, role-based access controls, and full audit trails. Borrowers connect accounts through secure open banking integrations — and you own your data, always.
"Can Ned monitor construction loans and draw schedules?"
Yes. Ned's live cash-flow monitoring tracks borrower financial health continuously — making it well-suited for construction loans where cash position changes with every draw. Your team sees real-time signals, not end-of-quarter snapshots.
"How do we know staff will actually adopt it?"
Every implementation includes admin and team training, best-practice playbooks based on real lender deployments, and ongoing support. Ned is built to be intuitive — not another system your team works around.
"What if we only need monitoring — not origination or underwriting?"
Ned is modular by design. Start with Pulse for loan monitoring, covenant tracking, and collateral analysis. Expand to origination and underwriting when you're ready — or keep monitoring as a standalone tool.
"We're not sure we can justify the investment right now."
Every week of manual monitoring carries its own cost: staff hours, missed risk signals, late covenant breach detection, and portfolio losses that could have been prevented. Ned pricing is transparent monthly SaaS with no hidden integration fees.
Ready to see smarter loan monitoring in action? Book a 30-minute demo — we'll show you how Ned fits your portfolio monitoring workflow.
ready to see ned in action

See what loan monitoring looks like
with live data behind it.

Join lenders using Ned for real-time loan portfolio monitoring, automated covenant tracking, and continuous collateral analysis — deploy in weeks, not months.

Book a Demo → Talk to the Team
No commitment required Live in 4–8 weeks SOC 2 compliant Purpose-built for U.S. community banks, CDFIs & small business lenders