Three layers. One credit memo.
OloLand is the depth layer for Anthropic-powered direct-lending diligence — the verifier stack and persistent borrower record that turns Claude’s generic agent runtime into a credit-committee-defensible underwriting workflow.
A credit-committee-defensible memo.
Not a chat transcript. Not a search result. The terminal artifact your committee names by hand at the meeting — covenant cascade modeled, downside Monte Carlo run, sponsor projections pressure-tested against Beneish and the EBITDA bridge. Numbers traceable to source pages.
A verifiable intelligence layer.
Hebbia and AlphaSense are intelligence layers — better search over the data room. Verifiable intelligence is a different category: source hierarchy surfaces contradictions across CPA, tax, management, and AI evidence; generated outputs preserve source-page citations; uncited claims and unsupported high-priority assumptions stay out of the memo.
Deterministic engines and a persistent borrower record.
Claude can read the loan docs and call tools. It cannot run the covenant cascade analyzer against typed financial values, run 10,000-path correlated Monte Carlo on the downside, run the Beneish/Benford/EBITDA-bridge forensic battery, or remember every covenant flag and restructuring from the last seven loans to this sponsor. OloLand ships both — and they compose with the Claude session your analyst is already in.
private credit AUM
Direct lending market
leaf-level risk checks
With credit overlays
Monte Carlo paths
Per covenant cascade
+ Benford's Law
Deterministic forensic stack
The diligence side of the table.
Direct lenders are reading the same QoE the sponsor is reading. Run your own forensic screen with credit-side overlays — covenant cascade, downside recovery, software stress — and keep the result on the borrower record forever.
Underwriting standards are eroding.
Cleary Gottlieb 2026 outlook: "competition has eroded underwriting standards" and loose docs trade at steep discounts in secondary. Deterministic forensic screening is the discipline upgrade — and it sits underneath whatever Claude session the analyst is already in.
Covenant headroom is the question.
Same forensic engines as PE-side QoE — different output. Beneish, EBITDA bridge, lapping detection, plus the covenant cascade analyzer. Headroom + downside recovery in a single artifact the credit committee can sign.
Software-stress risk is real.
Prime Buchholz Feb 2026: AI risk in private credit is now a primary diligence question. We surface software/IP-loss scenarios via our structured risk taxonomy (300+ leaf-level checks), with industry-specific overlays — and persist them on the borrower record for the next refinancing.
Compressed timelines.
Direct lending decisions move fast. Pre-LOI Screen and Full QoE with covenant-cascade, both included in Pro and above. Match the sponsor's pace without losing diligence depth.
Three engines for the credit committee.
Deterministic, persistent, citation-enforced — the mechanism Claude’s session-scoped runtime cannot deliver.
Covenant Cascade Analyzer
Structured deal graph traces covenants in the loan docs to the underlying financial metrics. When EBITDA moves, see which covenants trigger and in what order. Headroom analysis you can defend to the credit committee — Claude does not ship this.
Forensic QoE for Lenders
Beneish M-Score, Benford's Law on GL transactions, lapping detection, EBITDA bridge — the same forensic stack PE buyers run, with credit-side framing. Output: the EBITDA you should underwrite, not the EBITDA the sponsor is pitching.
Downside Monte Carlo + Structured Risk Taxonomy (300+ Checks)
MaskablePPO 16-quarter war game and 10,000-path correlated Monte Carlo for the downside scenario. Industry-specific overlays for software, business services, healthcare, industrials. Severity-scored risks, source-page citations, structured exclusion-schedule format.
Anthropic captures the session. OloLand captures the institution.
Borrower history compounds across the fund — every covenant flag, every restructuring, every recovery — queryable on the next deal.