Silcube Software

Private debt managers running on spreadsheets and disconnected point solutions face a familiar problem: covenant monitoring happens manually, payment reconciliation lives in Excel, and investor reporting requires stitching together data from multiple sources. Silcube was built to replace that stack with a single platform covering the full workflow from loan origination through to investor reporting. Founded in Finland in 2020, it originated as an in-house tool for a Luxembourg-based fund manager before spinning out as an independent product focused specifically on private debt and trade finance.

The platform addresses three distinct workflow stages that previously required separate tools:

• Loan origination: configurable credit limits, approval flows, document storage, and loan classifiers
• Payment management: automated invoicing, reconciliation, payment holiday adjustments, and cash flow projection
• Covenant monitoring: AI-driven document analysis that extracts financial and non-financial indicators from borrower reports without manual data entry

For family offices with direct lending or asset-backed lending activity, Silcube offers multi-currency and multi-portfolio support, automated investor factsheet generation, and collateral mark-to-market tracking. The platform runs on Microsoft Azure infrastructure in Ireland and provides documented APIs for integration with existing systems. Pricing scales by number of users, AUM, and service level, with a free-until-first-closing model for new managers. Specific pricing figures are not publicly disclosed. The platform is designed for direct lending and trade finance use cases, so family offices with broader alternative investment portfolios spanning private equity or real assets will find the scope narrow. Teams primarily needing general portfolio analytics or multi-asset consolidated reporting should evaluate whether the private debt focus covers enough of their workflow to justify adoption.

• Loan origination and credit facility management
• Automated payment processing, invoicing, and reconciliation
• AI-assisted covenant monitoring and compliance tracking
• Investor and stakeholder reporting with automated factsheet generation
• Collateral tracking and mark-to-market LTV calculation
• Cash flow projection and portfolio exposure analysis

• AI-based covenant monitoring using document analysis
• Automated payment scheduling, invoicing, and reconciliation
• Configurable loan origination workflows with approval flows and checklists
• Automated investor factsheet and report generation
• Credit facility and collateral mark-to-market tracking
• Multi-currency and multi-portfolio support
• REST API for system integration
• Secure document storage with version control and access controls
• Total Return Analysis and IRR calculation tools
• Cash flow projection and management

Built for Fund Managers, Investment Teams, Finance / Accounting Teams.

Email support, phone support (Finland and Luxembourg numbers listed), managed services, and dedicated onboarding assistance

Structured client onboarding process documented on site; free online trial available without registration