private-credit

Domain-specific skills and commands for private credit analysts and portfolio managers at direct lending funds. Covers covenant compliance,

Open source Repository Open in the app JSON README (API)

About

Domain-specific skills and commands for private credit analysts and portfolio managers at direct lending funds. Covers covenant compliance, EBITDA adjustments, IC memo generation, quarterly monitoring, deal screening, credit modeling, amendment analysis, and scenario testing.

Details

Kind: Plugins
Topic: Finance & crypto
Publisher: kd-alt20
Origin: marketplace
Category: ferramentas
Stars: 6
Forks: 1
Last push: 2026-03-02T23:25:05Z
Repository state: ativo
License: Apache-2.0
Added: 2026-08-30 01:48:58
Updated: 2026-08-30 01:48:58
Origin id: kd-alt20/private-credit-plugin/private-credit

README

# Private Credit Plugin

A Claude plugin for analysts and portfolio managers at direct lending funds. Encodes the domain expertise, workflows, and judgment frameworks used in private credit — from CIM screening through quarterly portfolio monitoring.

Built for [Claude Cowork](https://claude.com/product/cowork), also compatible with [Claude Code](https://claude.com/product/claude-code).

> **Disclaimer:** This plugin assists with private credit workflows but does not provide investment, financial, or legal advice. All outputs — including covenant calculations, credit assessments, and investment recommendations — should be reviewed by qualified professionals before use in investment decisions, regulatory filings, or committee presentations.

## Who This Is For

- **Credit analysts** doing quarterly monitoring, model updates, and borrower analysis
- **Portfolio managers** reviewing covenant compliance and credit trajectory
- **Investment professionals** screening deals, writing IC memos, and running scenarios
- **Operations teams** processing amendments and tracking covenant schedules

Works best for middle-market direct lending ($50M–$500M deal size), leveraged finance, ABL, and specialty lending workflows.

## What's Included

### Skills (auto-fire when relevant)

Skills encode domain knowledge Claude draws on automatically — no slash command needed.

| Skill | What it covers |
|-------|---------------|
| **Covenant Compliance** | Maintenance vs. incurrence testing, compliance cert as source of truth, step-down schedule lookup, headroom analysis (≥20% comfortable, 10–20% elevated, <10% flag), cross-checking financials against cert |
| **EBITDA Add-Back Treatment** | GAAP-to-Adjusted EBITDA waterfall, permitted addbacks per credit agreement, pro forma acquisition adjustments, cap mechanics, push-back framework for management's numbers, addback realization tracking |
| **Credit Memo Standards** | IC memo structure and section order, minimum content bar, advocacy tone calibration, merit/risk framework, base and downside case presentation standards |
| **Quarterly Package Extraction** | Extraction order (P&L → BS → CF), label-matching logic, compliance cert vs. financials reconciliation, handling acquisitions and restatements, common data quality issues |
| **Borrower Monitoring** | Full quarterly workflow (receive → update → narrate → question → deliver), credit trajectory evaluation, watchlist criteria (3-tier: watch closely / watchlist / workout), management call question development |
| **Credit Model Standards** | LBO-based model structure, tab organization, FCF waterfall construction (exact line-item order), case methodology (base / downside / stress), credit statistics, debt schedule roll-forward |

### Commands (user-triggered)

| Command | What it produces |
|---------|-----------------|
| `/private-credit:cim-screen` | Pass / Pursue / More Info assessment from a CIM or teaser with supporting credit analysis |
| `/private-credit:ic-memo` | Full investment committee memo in private credit format (requires CIM + model + term sheet) |
| `/private-credit:quarterly-review` | Covenant compliance table, variance summary with MD&A narrative, management call questions |
| `/private-credit:covenant-check` | Comprehensive covenant snapshot: maintenance tests with headroom, incurrence levels, restricted baskets, step-down schedule, cure rights |
| `/private-credit:amendment-summary` | Structured summary of every change in an amendment, categorized as tightened / loosened / new / removed |
| `/private-credit:scenario-analysis` | Base / Downside / Stress case comparison table with covenant breach flagging and liquidity runway |

## Plugin Structure

```
private-credit/
├── .claude-plugin/
│   └── plugin.json
├── commands/
│   ├── amendment-summary.md
│   ├── cim-screen.md
│   ├── covenant-check.md
│   ├── ic-memo.md
│   ├── quarterly-review.md
│   └── scenario-analysis.md
├── skills/
│   ├── borrower-monitoring/SKILL.md
│   ├── covenant-compliance/SKILL.md
│   ├── credit-memo-standards/SKILL.md
│   ├── credit-model-standards/SKILL.md
│   ├── ebitda-addback-treatment/SKILL.md
│   └── quarterly-package-extraction/SKILL.md
├── LICENSE
└── README.md
```

## Installation

```bash
# From the marketplace
/plugin install private-credit@claude-plugin-directory

# Or from GitHub
/plugin marketplace add accretive-ai/private-credit-plugin
/plugin install private-credit@accretive-ai
```

Once installed, skills activate automatically when Claude detects relevant context (financial data, credit agreements, borrower packages). Commands are available via `/private-credit:command-name`.

## Optional MCP Connectors

This plugin works standalone — paste or upload financial data and documents directly. For live data integration, add MCP servers to a `.mcp.json` file in the plugin directory:

- **PitchBook** — Private equity and deal data for comparable transactions
- **Moody's** — Credit ratings and company financial data
- **FactSet** — Financial data, analytics, and market benchmarks
- **S&P Global / Kensho** — Capital IQ financial data

See [MCP documentation](https://modelcontextprotocol.io/) for connector setup.

## Customization

These skills and commands encode general private credit best practices. They become more powerful when customized for your firm:

- **Adjust covenant severity rankings** — Edit `covenant-compliance/SKILL.md` to match your firm's headroom thresholds and escalation criteria
- **Add your EBITDA definition** — Modify `ebitda-addback-treatment/SKILL.md` with your standard permitted addbacks and cap structures
- **Match your IC memo format** — Update `credit-memo-standards/SKILL.md` with your firm's section order, required exhibits, and tone preferences
- **Configure watchlist criteria** — Adjust thresholds in `borrower-monitoring/SKILL.md` to match your fund's risk rating framework
- **Set variance callout thresholds** — Modify `quarterly-review.md` to match what your IC considers material

## About

Built by [Accretive AI](https://goaccretive.ai). The team behind Accretive AI has billions invested and decades of experience across leveraged finance, ABL, and special situations.

## License

Apache-2.0 — see [LICENSE](LICENSE) for details.