Private-Credit.ai today announced the launch of X-Ray, an AI-driven analytics platform that enables private credit managers to quantify and benchmark the strength of their credit documentation — just as they measure leverage, yield, or returns. The platform addresses a long-standing gap in private markets by providing a transparent, data-driven way to evaluate documentation quality and covenant strength.
According to Joseph DiTomaso, Inventor of Private-Credit.ai, “Private markets have long needed a transparent, data-driven way to evaluate documentation quality and covenant strength. With X-Ray, teams can now visualize documentation strength deal-by-deal, identify risks, and make faster, more confident investment decisions.”
Built on Private-Credit.ai’s proprietary Orion Engine, X-Ray uses natural language processing and structured scoring to evaluate key sections of credit agreements — including Maintenance Covenants, Debt Incurrence, Restricted Payments, and MFN Protections — generating a color-normalized heatmap that highlights strengths and vulnerabilities in real time. This allows credit professionals to quickly spot weaknesses in deal structures that might otherwise go unnoticed.
X-Ray is part of a broader Private-Credit.ai suite that includes modules for Deal Execution Tracking, Compliance Monitoring, Shadow Ratings, and Portfolio Risk Visualization. Together, these tools help direct lenders, private credit funds, CLO managers, and institutional allocators transform document-heavy processes into data-driven insights. The platform is designed to integrate into existing workflows, making it easier for firms to adopt without overhauling their systems.
The launch comes as private credit markets continue to grow rapidly, with demand for more sophisticated risk management tools increasing. By offering a standardized way to evaluate covenant quality, X-Ray could help investors better compare deals across different managers and strategies. This is particularly important for institutional allocators who need to assess portfolio risk consistently.
Private-Credit.ai is actively expanding partnerships with global asset managers and service providers to integrate X-Ray into existing document and portfolio management workflows. The company was founded to help credit professionals make faster, smarter decisions by combining domain expertise with advanced technology. Its mission is to enable investment professionals, allocators, and asset managers to scale with precision through AI-powered document parsing, credit risk scoring, and portfolio optimization.
As private markets expand faster than traditional systems can support, Private-Credit.ai bridges the gap with rapid ingestion of complex deal materials, consistent underwriting logic, and powerful compliance monitoring. The platform helps clients transform static documents into dynamic insights. For more information, visit https://private-credit.ai.
