Curated News
By: NewsRamp Editorial Staff
October 30, 2025
Private-Credit.ai Launches X-Ray AI Platform for Credit Documentation
TLDR
- Private-Credit.ai's X-Ray platform gives credit managers a competitive edge by identifying documentation risks faster to make more confident investment decisions.
- X-Ray uses natural language processing and structured scoring to evaluate credit agreement sections, generating real-time heatmaps of documentation strengths and vulnerabilities.
- This AI platform helps create more stable credit markets by enabling better risk assessment and more informed lending decisions for financial institutions.
- Private-Credit.ai's X-Ray transforms complex legal documents into colorful heatmaps that instantly reveal where credit agreements are strongest and weakest.
Impact - Why it Matters
This development matters because it addresses a fundamental challenge in the rapidly growing private credit market, where documentation quality has traditionally been difficult to quantify and benchmark. As private credit becomes an increasingly important asset class for institutional investors, the ability to systematically evaluate covenant strength and documentation risks becomes crucial for protecting investments and maintaining portfolio stability. The platform's real-time risk identification capabilities could prevent costly defaults and improve overall market transparency, benefiting not just professional investors but ultimately the broader financial ecosystem that relies on efficient credit allocation.
Summary
Private-Credit.ai has launched X-Ray, an innovative AI-driven analytics platform that revolutionizes how private credit managers evaluate their credit documentation. Developed by Joseph DiTomaso, the platform addresses a critical gap in private markets by providing transparent, data-driven assessment of documentation quality and covenant strength. Built on the company's proprietary Orion Engine, X-Ray utilizes natural language processing and structured scoring to analyze key sections of credit agreements including Maintenance Covenants, Debt Incurrence, Restricted Payments, and MFN Protections. The platform generates color-normalized heatmaps that visualize documentation strength deal-by-deal, enabling teams to identify risks and make faster, more confident investment decisions.
X-Ray represents a significant advancement in the Private-Credit.ai suite, which includes complementary modules for Deal Execution Tracking, Compliance Monitoring, Shadow Ratings, and Portfolio Risk Visualization. These integrated tools collectively transform document-heavy processes into actionable, data-driven insights for direct lenders, private credit funds, CLO managers, and institutional allocators. The platform is designed to help credit professionals scale with precision through AI-powered document parsing, credit risk scoring, and portfolio optimization. As private markets continue to expand beyond the capabilities of traditional systems, Private-Credit.ai bridges this gap with rapid ingestion of complex deal materials and consistent underwriting logic.
The company is actively expanding partnerships with global asset managers and service providers to integrate X-Ray into existing document and portfolio management workflows. Founded by a former investment banker and fintech entrepreneur, Private-Credit.ai combines deep industry knowledge with proven execution in AI-enabled software, creating solutions built by practitioners for practitioners. The platform serves a diverse client base including direct lenders, private credit funds, BDCs, CLO managers, family offices, and institutional allocators, all of whom can benefit from transforming static documents into dynamic, actionable insights that drive better investment outcomes and risk management.
Source Statement
This curated news summary relied on content disributed by 24-7 Press Release. Read the original source here, Private-Credit.ai Launches X-Ray AI Platform for Credit Documentation
