Evolveo

The Intelligent Operating System for the Loan Lifecycle.

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Inspiration

Loan agreements sit at the heart of global credit markets, yet they remain some of the most manual, opaque, and risk prone documents in finance. Across the industry, critical loan information lives in static PDFs, email threads, and Excel trackers, creating operational inefficiencies and real financial risk.

We were inspired by a simple but costly reality: banks spend countless hours reviewing, tracking, and rechecking loan documents yet still miss covenants, deadlines, and ESG commitments. The LMA Edge Hackathon challenged me to rethink this workflow. Evolveo was born from the idea that loan agreements should not be static files, but living, intelligent assets that evolve across the loan lifecycle.

What it does

Evolveo is a desktop based AI platform that transforms complex loan agreements into structured, trackable, and actionable data.

It allows users to:

  • Upload LMA standard loan agreements (PDF or Word)
  • Automatically extract key terms, covenants, ratios, reporting obligations, and ESG clauses
  • View all obligations through a clean dashboard and timeline
  • Receive risk flags for nonstandard clauses, upcoming deadlines, and potential covenant breaches
  • Track ESG-linked commitments and generate compliance ready summaries
  • Maintain a single source of truth across documentation, servicing, and compliance teams

Basically, Evolveo turns loan documents into intelligent financial assets that can be monitored, analyzed, and trusted throughout their lifecycle.

How we built it

Evolveo was designed as a commercially viable desktop prototype, prioritizing clarity, usability, and enterprise relevance.

  • A desktop-first architecture (Electron/Tauri-style) to reflect real bank workflows
  • AI powered document parsing using NLP techniques to identify and structure clauses, covenants, and key dates
  • Rule based validation aligned with LMA style documentation to flag non standard or risky provisions
  • Modular dashboards representing document intelligence, covenant tracking, ESG monitoring, and lifecycle timelines
  • Realistic sample loan agreements to demonstrate end-to-end value in a short demo

We intentionally focused on business outcomes and workflows, rather than over-engineering infrastructure.

Challenges we ran into

  • Complexity of loan documentation: Loan agreements are long, nuanced, and highly structured, requiring careful balance between automation and accuracy.
  • Avoiding over scope: The loan lifecycle is vast; we had to stay focused on high impact features that judges could clearly understand.
  • Designing for non-technical users: Judges are banking and legal professionals, so clarity and language mattered more than technical depth.
  • Simulating enterprise scale value in a hackathon timeframe: We solved this by prioritizing realistic workflows and measurable efficiency gains.

Accomplishments that we're proud of

  • Creating a solution that feels credible, usable, and bank-ready, not just a hackathon demo
  • Successfully integrating document intelligence, covenant monitoring, and ESG tracking into a single coherent platform
  • Framing AI as a risk-reduction and efficiency tool, not a black box
  • Delivering a product that aligns directly with the LMA’s mission of efficiency, transparency, and sustainability
  • Building something that judges can realistically imagine deploying inside their organizations.

What we learned

  • The biggest opportunities in financial markets lie in workflow modernization, not flashy technology
  • AI delivers the most value when it is tightly integrated into existing industry standards and practices
  • Clear business storytelling matters as much as technical capability
  • Enterprise users value trust, explainability, and control over novelty Most importantly, we learned that transforming how information flows through the loan market can unlock enormous efficiency and risk reduction.

What's next for Evolveo

Evolveo is designed to scale beyond this prototype.

Next steps include:

  • Deeper alignment with official LMA templates and documentation standards
  • Enhanced predictive analytics for covenant breaches and early risk detection
  • Multi-party collaboration features for agents, lenders, and borrowers
  • API integrations with loan servicing and reporting systems
  • Expanded ESG analytics to support evolving regulatory requirements

Our vision is for Evolveo to become the intelligent operating system for loans supporting documentation, servicing, trading, and sustainability across global markets.

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