Don't wait for the lender's annual review to find out how you've changed.
Between one approval and the next review, the numbers a lender watches keep moving. Credit Watch reads them each quarter against your Audit baseline, so you see the drift while you can still act.
Covenant headroom narrows. A facility enters its last year.
Headroom · maturity
MONTH 12
The lender's review reads all of it at once.
Each move is small in its own quarter. Together they are the review.
What we track
Six questions a lender keeps asking.
In plain words first, with the measure beneath.
Are customers paying on time?Debtor days
Are margins holding?Gross / EBITDA margin
How much debt against earnings?Leverage
Can cash still cover repayments?Debt service cover
How dependent on a few customers?Concentration
How close to the covenant, and when does it fall due?Headroom · maturity
Each quarter
A refreshed judgement against your baselineThe six-measure trackerUtilisation against limits, and every facility's maturity horizonEarly-warning flags in writing, and one review callEach year, a full re-read across the five lenses
Fees
Facilities up to £1m£300 / month
£1m – £5m£600 / month
Above £5m, or cross-borderfrom £1,000 / month
Credit Watch maintains a baseline; it does not create one. It is available where Ziyon has completed an Audit within the preceding twelve months.
Questions about Credit Watch.
No. Management accounts report the numbers. Credit Watch reads them the way your lender will at review, against the baseline set in your Audit, and flags what is moving.
Yes. Credit Watch maintains a baseline; it does not create one. If your last Audit is more than twelve months old, a refresh comes first.
Terms are agreed in writing at the start. We will discuss notice periods on the introductory call.
Introductory call
See the review coming. Not only when it arrives.
Twenty minutes to talk through your facilities, review dates and whether Credit Watch fits.