private-credit

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, also compatible with 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

# 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: