Athena Platform
Complete loan origination, servicing & asset management.
Athena is for lenders, servicers and asset managers. It takes a loan from origination through servicing, compliance, payments, accounting and reporting, with every team working from the same data and private AI built into the day-to-day work.
AI Layer
AI OnboardingAI KYC ScreeningAI Document ExtractionAI UnderwritingAI ReportingAI Report CommentaryAI User GuideAI AssistantLocal Document Reader
Why teams run on Athena
One record for every team
Origination, servicing, payments, accounting and reporting all read and write the same data. Credit, operations and finance look at the same loan, so nobody spends month-end reconciling one system against another.
Set up around how you lend
Workflows, notices, reports and approval chains are settings you control. Start with one module or move your whole book across; either way there is no bespoke build to maintain.
AI where the work is
Document extraction, loan onboarding and risk analysis sit inside the screens your team already uses. The models run on private infrastructure, and your documents are never shared with anyone else.
Who runs on Athena
Banks & Non-Bank LendersLoan ServicersAsset ManagersDebt FundsCMBS / CLO IssuersTrustees & Facility Agents
Instrument classes
Syndicated LoansDev FinanceWarehouseBondsSwapsCLOCMBSInvoice FinanceReverse FactoringEquityStructured Credit
Athena
One record, front to back.
Origination, servicing, payments, accounting and reporting all work from the same loan. Credit, operations and finance see the same numbers, so month-end stops being a reconciliation exercise.
Platform modules
Lending and servicing
Deal Administration
Onboarding, drawdowns, repayments, interest and notices for every loan, including structured deals such as CMBS, CLO and ABS.
Lending Syndication & Loan Review
Multi-lender and multi-level syndication with cashflow reporting for each lender, intercreditor terms, lender-to-lender interest transfers, and periodic loan reviews with risk scores and status tracking.
Multi-Lender Underwriting & Credit
A financial model sits inside underwriting and the credit memo. Company financials can be imported from PDF onto line items you configure, covenants are set from those figures, and hotel and rent-roll underwriting are built in, with rent rolls going to and from Excel.
Financial Model · Credit Memo Invoice & Trade Finance
Invoice finance, reverse factoring and factoring, including programmes run through an SPV where invoices are staged, bought and drawn against. Eligibility screening, concentration limits and debtor reconciliation are built in.
Trade Finance Asset & Loan Tokenization
Tokenise single assets or whole loan portfolios to support structured financing, wider distribution and better liquidity.
Tokenization Risk, compliance and assets
Counterparty Management
One register of borrowers, lenders, SPVs and agents, with KYC checklists, AML risk tiers, and sanctions and PEP screening kept on each record. A relationship graph shows the links counterparties share, so connected exposure is easy to spot.
Compliance Diary & Covenants
Reminders and event triggers, plus LTV, DSCR and ICR tests that raise an alert and open a task as soon as a covenant is breached, and can step the margin when they do. Loan, property and counterparty diaries share one view, and holiday calendars feed straight into the rate logic.
LTV · DSCR · ICR Asset Management
Property, companies and other collateral in one place. AI reads the valuation reports, and LTV, ESG data, inspection scores and map locations are kept on the asset. Property maps overlay live government hazard feeds, from US weather alerts and hurricane tracks to England flood warnings and wildfire detections.
Assets Reporting, portals and AI
AI Suite
AI that takes on the repetitive parts of the job, from reading documents to drafting reports, so your team can spend more of its time on decisions.
AI Reporting & Analytics
Ask for a report in plain English or build your own branded templates. A virtual data room is included, and every field change is logged for audit.
Analytics Regulatory & Market Reporting
ESMA securitisation loan-level tapes for CRE loans and collateral, CREFC reports, S&P loan tapes, and asset pool, cash manager and lender position reports, all drawn from the loans your team already services.
ESMA · CREFC · S&P External Portals
White-labelled portals for investors, borrowers, servicers, trade finance clients and your sales team. Lenders get their own self-serve BI, Report Designer and board packs in their portal, and raise support tickets that keep your internal notes internal.
Portals Money and accounting
Payments & Treasury
Incoming and outgoing payments, priority waterfalls, and support for bonds, swaps and hedging instruments.
Treasury Bank Accounts & Signatories
A dashboard of every bank account, account opening, and the signatories on each mandate, with bulk import when you bring an existing book across.
Accounts · Mandates Accounting & RWA
Multi-GAAP accounting with RWA, expected loss and provisioning, valuation adjustments, a multi-currency general ledger and period-end close controls.
Multi-GAAP · RWA Ask your loan book a question
Which loans have an LTV above 65% and mature in 2027?
Read as LTV > 65% Maturity in 2027 Active loans Your portfolios only
LoanBorrowerBalanceLTVMaturity
Harbour Point OfficesAlpha Ltd£18.2m71.4%Mar 2027
Westgate Retail ParkBeta Holdings Ltd£9.6m68.9%Jun 2027
Canal Street HotelDelta Hotels Ltd£12.4m67.2%Sep 2027
Elm Court ResidentialGamma Estates Ltd£6.1m66.0%Nov 2027
LTV against the 65% limit
4 of 212 loans, only rows you are allowed to see ExcelPDFWord
Five connected portals
The life of a loan in Athena
01 Counterparty Onboarded KYC complete
02 Lead Captured Sales portal
03 AI Underwriting Broker pack extracted
04 4-Eye Approval Credit committee
05 Loan Goes Live Cashflows set
06 Drawdown Booked SWIFT payment
07 Notices Generated Auto-delivered
08 Rates Updated SONIA · EURIBOR
09 Asset Reviewed LTV & covenants
10 Reports Issued AI-generated
11 Securitised · Tokenised CMBS · CLO · token
12 Audit Ready Full trail logged
From discovery to live servicing in 2–3 months
01
Weeks 1–2
Discovery & Loan Book Review
We sit down with your servicing, credit and technology teams, go through your instrument classes, workflows and reports, and design the setup around the loans you already have.
02
Weeks 3–7
Configuration & Migration
Athena is set up for your products, notices, covenants and approval chains. Loan, counterparty and asset data is migrated while the bank and SWIFT connections are put in place.
03
Weeks 8–12
Parallel Run & Validation
Your live loans run in Athena and in your current system at the same time. We reconcile cashflows, notices and accounting between the two until you are comfortable switching over.
04
Ongoing
Live Servicing & Evolution
The same team stays with you after go-live. New products, asset classes and regulatory changes are handled through configuration, and the AI is tuned on your own documents.
Competitive Record
Tested against the best. Won.
Athena has been tested head to head against the leading enterprise loan servicing platforms and won in every category that was evaluated. Clients have moved to it from every major legacy system in the loan servicing market.
Chosen over the leading loan servicing systems in a detailed,
client-run procurement, coming out ahead on every metric they measured.
Capability Sciforn
Private AI Data Centre ✓
ISO 20022 / SWIFT Native ✓
Unified Data Model ✓
AI-Powered Loan Automation ✓
ESG Lending Enforcement ✓
Invoice Finance Built-in ✓
5 Connected Portals ✓
Customisable Notices & Reports ✓
Full Audit Rights ✓
Fund management ✓
US & UK consumer lending ✓
CRM, Timesheets ✓
Time to move off your legacy systems?
Bring your own loan book and we’ll show you Athena running on it.