FAQ: Private-Credit.ai's X-Ray AI Platform for Credit Documentation Analysis

What is Private-Credit.ai’s X-Ray platform?

X-Ray is an AI-driven analytics platform that enables private credit managers to quantify and benchmark the strength of their credit documentation, allowing them to measure documentation quality just as they measure leverage, yield, or returns.

Why is X-Ray significant for private credit markets?

Private markets have long needed a transparent, data-driven way to evaluate documentation quality and covenant strength, which X-Ray provides by enabling teams to visualize documentation strength deal-by-deal and identify risks.

How does X-Ray analyze credit documentation?

Built on Private-Credit.ai’s proprietary Orion Engine, X-Ray uses natural language processing and structured scoring to evaluate key sections of credit agreements including Maintenance Covenants, Debt Incurrence, Restricted Payments, and MFN Protections.

What visual output does X-Ray provide?

X-Ray generates a color-normalized heatmap that highlights strengths and vulnerabilities in credit documentation in real time, making it easy to identify areas of concern.

Who is the target audience for X-Ray?

X-Ray is designed for direct lenders, private credit funds, CLO managers, and institutional allocators who need to transform document-heavy processes into data-driven insights.

What other tools does Private-Credit.ai offer alongside X-Ray?

Private-Credit.ai’s broader suite includes modules for Deal Execution Tracking, Compliance Monitoring, Shadow Ratings, and Portfolio Risk Visualization, all working together to support credit professionals.

When was X-Ray launched?

X-Ray was announced on October 30, 2025, according to the press release content.

What is Private-Credit.ai’s mission and background?

Private-Credit.ai was founded to help credit professionals make faster, smarter decisions by combining domain expertise with advanced technology, and was founded by a former investment banker and fintech entrepreneur with deep industry knowledge.

How can interested parties get more information about X-Ray?

Interested parties can contact Joseph DiTomaso, Inventor of Private-Credit.ai, at (301) 447-0835, [email protected], or visit https://private-credit.ai for more information.

What types of organizations does Private-Credit.ai work with?

Private-Credit.ai works with direct lenders, private credit funds, BDCs, CLO managers, family offices, and institutional allocators across the private credit ecosystem.