Headroom Request a walkthrough

Private credit · borrower reporting

Borrower financials you don’t have to re-key.

Every borrower reports differently, and each has its own definition of EBITDA. Headroom reads what they send, maps it onto your chart of accounts, and measures it against the covenants in the credit agreement — every figure traced to the page and cell it came from.

Leverage and coverage
Measured against the levels in the credit agreement, with the cushion on each
Adjusted EBITDA
Their definition reconciled to yours, and to the one the agreement defines
Page and cell
Every figure traces back to where it was read from
Someone signs
Nothing reaches the book until a person on your team confirms the period

From the file they send to the figure you can act on.

Stage 01 / 03

Mapping

Their line items, your chart of accounts

Borrower statements arrive in whatever shape their accountant exported that quarter. Headroom reads them and maps each figure onto your own model, so their “Op. profit” lands in your EBITDA field without anyone keying it.

Review

Every figure shows its work

A whole period lands in one place, each figure carrying its own evidence, and leverage and coverage measured against the levels the agreement sets. Most are clean. The ones that failed a check, or that trace to nothing, say so — and a person on your team confirms the period before it counts.

In your tools

Confirmed figures, where you already work

Confirmed figures come into Excel as live formulas, so your model updates instead of being rebuilt. The same figures reach Claude or ChatGPT through a connector you switch on — ask which borrowers are late, and the answer carries its citation.

Meridian Q3 26 Turnover 18,412 Bank debt 31,700 Op. profit 4,118 Meridian Industries Q3 26 Q2 26 Q1 26 Q4 25 Turnover EBITDA Interest Net debt Cash 18,412 17,980 17,411 16,902 4,118 3,970 3,884 612 415 412 408 401 31,700 n/a 30,240 29,880 2,840 2,610 2,455 2,190 2 need review Confirm period Q3 EBITDA? Headroom Meridian Industries, quarter ended 30 September 2026. Confirmed by D. Whitfield, 14 October. 4,118 Q3 · p4 · C12 Ask about any borrower

We’d like to see how borrower financials reach your systems today.

If you own the systems a lending book runs on, or you are the one being asked how to use AI on them, we would like thirty minutes. We will come with questions rather than a deck.

Where your book sits
Your own tenant, isolated at the database and enforced on every query.
What we do with it
Documents are read in our own AWS account, through Bedrock. Nothing you send is used to train a model.
SOC 2
Not yet. We will show you the controls and the audit trail and let you judge.