Underwrite direct lending deals inside Claude: read the data room, build the cash flow and DSCR model, stress test covenants, and draft the IC memo with every figure tied to a source.
Never used Claude? It is free and takes 30 seconds to open. Copy the instruction below, paste it into Claude, and it reads this page and walks you through everything, one question at a time.
A short instruction plus a link to this page lands on your clipboard. First copy asks for your email once. That unlocks every button across the whole library.
Free account, no card, 30 seconds. This tab stays open so you can come back.
Open claude.ai ↗Claude reads this page, asks which computer you are on, then guides you step by step until it works. If anything errors, tell Claude what you see, and it fixes it with you.
I want to run private credit underwriting in Claude on my own deals, replacing the data-room grind and the third-party diligence engagement. Walk me through it, step by step.
This is NOT a Terminal or coding install. The prompts run inside the Claude app. Treat me like a credit analyst, underwriter, or fund principal who has never coded. The only optional technical bit is connecting a free public-data source, and I will give you a no-install fallback for that too.
What I am setting up: a private Claude Project that holds the deal data room, so the vault on this page can read the term sheet, build the model, stress the covenants, flag the PIK creep, and draft the IC memo, all on my own deal. Nothing installs on my machine. A named human signs the credit decision before committee.
Walk me through ONE step at a time. Wait for me to confirm each before moving on.
1. **Plan + privacy.** Open `claude.ai`, sign in. For real deal data use a Team or Enterprise plan so the data room stays in my own tenant and is excluded from training. Confirm I am on one before uploading anything confidential. Pin Opus 4.8.
2. **Create the deal workspace.** Left sidebar → "Projects" → "Create Project". Name it for the deal or my book (for example "Project Atlas Credit" or "Credit Desk Q3").
3. **Load the data room into Project Knowledge.** Upload the term sheet, the financials, the model, the credit agreement, existing debt schedules, and any prior filings. This is the data source option (A) in prompt 01. For a quick one-off, I can paste figures instead (option B).
4. **Optional, public comps and market data.** If I need public comparables or rate data, OpenBB (`github.com/OpenBB-finance/OpenBB`) is a free open-source data platform a dev on my team can run, or I paste pulls in. If my fund licenses a market terminal, connect it via the Claude for Financial Services connectors. This is option (C). Skip it if my deal is self-contained in the data room.
5. **Set Custom Instructions.** In the Project's Custom Instructions box, paste: "You are a direct-lending credit desk supervised by a named human. Every figure on a memo ties to a data-room source or a pulled figure. Never invent a number, covenant level, or recovery assumption. Flag PIK creep and untied figures. A human signs the credit decision before committee."
6. **Run prompt 01** (the router) from the vault on this page. Answer deal type, where the data lives, and the context. Then run 02 to 10b in order: read the room, build the DSCR model, stress covenants, flag signals, score recovery, reconcile the ledger, summarize the agreement, draft the IC memo, and run the source-tie auditor.
7. **Confirm the output bar.** Check that every figure ties to a source, PIK and covenant risks are flagged, and prompt 10 blocks any untied number before the memo ships.
## Rules for walking me through this
- One step at a time. Tell me exactly what to click or upload.
- Define jargon once: Project, Project Knowledge, Custom Instructions, data room, DSCR, FCCR, covenant headroom, PIK, LGD, recovery waterfall, `<review_gate>`, `{{TOKEN}}`.
- Never tell me to use a Terminal for the prompts. The whole vault runs from a browser or the Claude desktop app.
- Anti-pattern call-outs: if my firm blocks claude.ai, use Claude Enterprise with SSO; if I cannot find Projects, paste prompts into a normal chat and paste the data room in pieces; if the data room is huge, tell me to upload the term sheet, financials, and credit agreement first and add the rest as the prompts need it. Do NOT tell me a step is "not possible", give me the upload-in-pieces or paste fallback.
- A named human signs the credit decision. Claude builds the model and the memo and ties every source; a person signs before committee.
First message: ask me "What deal type, and where does the data room live, uploaded into a Project, pasted, or pulled from a connector? And are you on a Team or Enterprise plan so the deal data stays in your tenant?" Then start step 1.
When the data room is loaded AND prompts 01 to 04 run on a real deal (read, model, stress), switch into "desk mode" and help me wire my standard covenant set and IC memo format so every future deal runs the same way.Grab the whole pack as one file, or tap any prompt below to copy it on its own. Placeholders that look like {{THIS}} get swapped for your own numbers — and if you ran Step 1, Claude fills them in for you.
The code is public and free. The setup instruction above installs and wires it for you. You never need to open this link.
Browser-based. No signup. Drop in your numbers and see the trade in real time. Opens in a new tab so the prompts stay where you left them.
Direct-lending diligence that runs 3 to 6 weeks now runs in two days. This is a credit desk inside Claude on your own term sheets and data rooms — DSCR model, covenant stress test, PIK-creep flag, recovery score, and the IC memo, every figure tied to a source — for a Claude seat instead of a $300K analyst and a six-figure diligence engagement.
The setup rail and every prompt above are free and stay free. The cost is your time, and the risk of wiring it wrong on live data.
Back to the prompts ↑We deliver a private credit desk: the 10 prompts loaded into your Claude tenant, your standard covenant set and IC memo format built in, the data-room intake structured for your process, the public-comp or licensed-data connection wired, and a source-tie audit gate so nothing untied ever reaches committee — then handed over so you own it. You get Apollo-grade rigor without the $300K grind.
Book a build call →Prompt set authored by consultance.ai. Apollo, Ares, Blackstone, KKR, Oaktree, and Carlyle are referenced as the standard the desk matches, no affiliation implied. OpenBB is a free open-source data source used under its own license. Your deal data stays in your own Claude tenant; we never see it. This is not investment or credit advice; a named human signs every credit decision before committee.
Want this wired into your stack instead of running it yourself? That is our AI deal desk and finance automation service.
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Private Credit Underwriting Pack is a finance and data build in the consultance.ai AI Build Library. Underwrite direct lending deals inside Claude: read the data room, build the cash flow and DSCR model, stress test covenants, and draft the IC memo with every figure tied to a source. It fits Private credit funds, direct lenders, credit analysts, PE credit arms, family offices, and LPs underwriting and monitoring loans who want Apollo-grade rigor without a $300K analyst grinding the data room. Setup difficulty is Medium, with 4 plain-English steps.
Underwrite direct lending deals inside Claude: read the data room, build the cash flow and DSCR model, stress test covenants, and draft the IC memo with every figure tied to a source.
It fits Private credit funds, direct lenders, credit analysts, PE credit arms, family offices, and LPs underwriting and monitoring loans who want Apollo-grade rigor without a $300K analyst grinding the data room.
Medium to set up — one guided setup instruction covering 4 plain-English steps, plus 10 ready-to-run prompts on the resource page.
We would deliver a private credit desk: the 10 prompts loaded into your Claude tenant, your standard covenant set and IC memo format built in, the data-room intake structured for your process, the public-comp or licensed-data connection wired, and a source-tie audit gate so nothing untied ever reaches committee. Done with you, then handed over so you own it.
Prompt set authored by consultance.ai. Apollo, Ares, Blackstone, KKR, Oaktree, and Carlyle are referenced as the standard the desk matches, no affiliation implied. OpenBB is a free open-source data source used under its own license. Your deal data stays in your own Claude tenant; we never see it. This is not investment or credit advice; a named human signs every credit decision before committee.
Private Credit Underwriting Pack is the starting point. On a free AI audit we map where it fits your stack and what consultance.ai would build around it.
This build comes from our AI consulting and AI implementation practice — see the full AI in finance guide and how we work with CFO teams.