The platform
Every position, reconciled. Every covenant, tracked.
A walkthrough of how Atrium structures private-credit portfolio data from raw loan tapes to IC-ready reports.
Data model
A data model built for private credit, not adapted from equity tools.
Object 01
Positions
The current state of each loan exposure in the portfolio. Holds outstanding balance, accrual status, and reconciliation state across reporting periods. The primary record fund ops teams read.
Object 02
Facilities
The loan agreement structure underlying each position. Stores commitment size, drawn and undrawn amounts, tranche hierarchy, and amendment history. Referenced when positions change after borrower restructures.
Object 03
Covenants
Defined rules and their current compliance status per facility. Stores threshold configuration, historical test values, and breach timeline. Checked automatically against each tape delivery.
Object 04
Cash Events
Every scheduled and actual cash flow, mapped per position. Captures scheduled principal, interest, and fees against received amounts. Handles PIK toggles and retroactive amendment adjustments with a full version chain.
Loan tape ingestion
Tapes arrive in any format. Atrium normalizes them.
30+ field mapping schemas built in. Custom mappings added in the onboarding session.
Raw tape columns (Allvue export)
LoanID_Internal
BorrowerLegalName
FacilityType_Cd
OutstandingPrincipal_USD
AccruedInterest_Amt
MaturityDt
CovStatus_Flag
PIK_Toggle_Ind
AgentBank_NM
Spread_BPS
Atrium normalized schema
position_id
borrower_name
facility_type
outstanding_usd
accrued_interest_usd
maturity_date
covenant_status
pik_toggle
agent_bank
spread_bps
Supported delivery: CSV, Excel, SFTP push, REST API.
Covenant monitoring
Covenant exceptions surface before they become problems.
Rules configured once during onboarding. Checked automatically on each tape delivery. Notifications by email or webhook.
| Borrower | Covenant Type | Threshold | Current Value | Status |
|---|---|---|---|---|
| Ashford Industrial | Leverage Ratio | < 4.5x | 3.8x | Current |
| Meridian Logistics | DSCR Min | > 1.20x | 1.22x | Watchlist |
| Harwick Capital | Interest Coverage | > 2.0x | 1.7x | Exception |
| Fenwick Holdings | Leverage Ratio | < 5.0x | 3.1x | Current |
Cash flow attribution
Scheduled vs. actual, mapped per position, including amendments.
Principal attribution
Scheduled vs. received amounts compared per position per period. Discrepancies flagged with source record reference.
PIK toggle handling
PIK-elected periods tracked separately. Accrued PIK added to outstanding balance with full audit trail back to the original election.
Fee attribution
Origination, amendment, and monitoring fees mapped per position. Included in period-level performance attribution.
Amendment adjustments
Retroactive schedule changes preserved with version history. Prior period comparisons stay accurate after terms modification.
No black boxes. Every cash flow attribution is traceable back to the tape record it came from.
IC report builder
Your IC gets the same view every quarter.
Report contents
Position-level summary with status, covenant summary table, vintage and sector concentration, cash flow performance vs. underwriting.
Export formats
PDF (formatted for print and digital distribution), Excel position file, JSON API feed. Manager and Platform plans include all three.
Template configuration
Layout approved in the onboarding session. Once configured, the report generates automatically on each reconciliation run.
Quarterly automation
Report runs on schedule tied to tape delivery cadence. No manual trigger required after setup.
See the platform with your own tape.
We'll walk through your specific tape format and covenant structure in the first session.