--- description: Review of Covenant Desk Lending Software: system overview, features, price and cost information. Get free demos and compare to similar programs. image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png title: Covenant Desk Lending | Reviews, Pricing & Demos - SoftwareAdvice GB --- Breadcrumb: [Home](/) > [Financial Risk Management Software](/directory/4165/financial-risk-management/software) > [Covenant Desk Lending](/software/690231/Covenant-Desk-Lending) # Covenant Desk Lending Canonical: https://www.softwareadvice.co.uk/software/690231/Covenant-Desk-Lending > Covenant Desk Lending is a loan management system designed for licensed money lenders in Hong Kong. It consolidates the loan lifecycle into a single platform, handling tasks such as enquiries, identity verification, anti-money laundering checks, credit decisions, electronic agreements, repayments, and collections. The system is tailored for businesses managing multiple lending entities and those aligning with regulatory requirements. The platform includes features such as integrated identity verification with HKID capture and liveness checks, sanctions and PEP screening with evidence retention, and configurable scoring rules to support custom credit policies. It supports multi-company management with cross-entity borrower searches, role-based access controls, and audit-logged HKID lookups. Phone numbers are masked throughout the interface. Electronic signature functionality is available for loan agreements, along with lender-specific FPS payment references for automated reconciliation. A prioritized repayment queue organizes items by value and days overdue. Records are structured to meet the Credit Data Smart reporting requirements proposed for June 2027, with export-ready data for applications, approved terms, and repayment histories. An AI-assisted review feature extracts data from financial statements and documents into structured fields, generating case summaries with source citations for staff verification. The platform operates in both English and Traditional Chinese. Borrowers can access a self-service portal to view loan details, balances, repayment schedules, and make payments. The system has been in use by licensed lenders in Hong Kong since 2026 and manages a significant number of borrower records across corporate clients. > > Verdict: Rated \*\*\*\* by 0 users. Top-rated for **Overall Quality**. ----- ## About the vendor - **Company**: Covenant Desk Limited ## Commercial Context - **Starting Price**: US$250.00 - **Pricing model**: Flat Rate (Free Trial) - **Pricing Details**: All prices in Hong Kong dollars, exclusive of any applicable taxes. Starter. HK$2,000 per month. No setup fee. Includes 3 staff seats, 1 lending company and 2,000 loan records. Growth. HK$5,500 per month. HK$5,000 one-time setup. Includes 10 staff seats, 1 lending company and 10,000 loan records. Federation. HK$14,000 per month. HK$20,000 one-time setup. Includes 25 staff seats, 3 lending companies and 20,000 loan records. Every plan includes the full staff portal, the borrower app, role-based access, audit logging and records structured for Credit Data Smart export. Plans differ by capacity, not by capability. Scaling beyond an included allowance: Additional staff seat. HK$1,000 one-time per seat above the plan allowance. Additional lending company. HK$3,000 one-time setup per company, plus HK$1,200 per month for companies two and three, and HK$1,500 per month for the fourth company onwards. Additional loan records. HK$1,000 per month for each block of 5,000 records above the plan allowance. Data and operations assisted setup. HK$3,500 one-time. Optional migration and field-mapping assistance. Add-ons included at no extra charge on every plan: secure messaging, repayment calculator, lender directory, loan applications, loan top-up, credit standing, alerts and notifications, overdue sync, installable app, application inbox, rate cards, team and permissions, sovereignty tier. Paid add-ons: AI borrower assistant. HK$200 per month plus HK$1,000 one-time setup. AI underwriting hints. HK$200 per month plus HK$1,000 one-time setup. AI collections assistant. HK$200 per month plus HK$1,000 one-time setup. AI risk scoring. HK$200 per month plus HK$1,000 one-time setup. WhatsApp screening. HK$200 per month plus HK$1,000 one-time setup. Identity and credit enrichment. HK$200 per month plus HK$1,000 one-time setup. Company and employment verification. HK$200 per month plus HK$1,000 one-time setup. Accounting sync for Xero. HK$200 per month plus HK$1,000 one-time setup. Google Calendar sync. HK$200 per month plus HK$1,000 one-time setup. Document templates and e-signature. HK$2,500 one-time setup, no monthly fee. Add-on trial. The first three monthly add-ons on an order are free for 7 days, including their setup fee. Further monthly add-ons are charged at full price. One-time items are charged when activated. Monthly pricing scales by lending companies and loan records at checkout. Pricing is published rather than quoted and can be bought online without a sales call. The lending product lines built on the platform, which are business lending, property mortgage and bridging finance, are scoped and quoted per engagement before any work begins. Tax loans, debt consolidation and guarantor lending are configured on the plans above at no additional licence cost. - **Target Audience**: Self Employed, 2–10, 11–50, 51–200 - **Deployment & Platforms**: Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop) - **Supported Languages**: English, Traditional Chinese - **Available Countries**: China, Hong Kong SAR China, Indonesia, Malaysia, Singapore, South Korea ## Features - AI Copilot - API - Activity Dashboard - Credit Risk Management - Data Management - Debt Management - Generative AI - Interest Rate Risks - Performance Metrics - Portfolio Analysis - Portfolio Modeling - Rate of Return Analysis - Reporting - Reporting & Statistics - Reporting/Analytics - Risk Analysis - Visualisation ## Integrations (10 total) - Excel Add-ins - Excel Tools - Gmail - Microsoft 365 - Outlook Email Extractor - Outlook Viewer - Xero - Xerox DocuShare - Xerox Workflow Central - Xerox Workplace Suite ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat ## Category - [Financial Risk Management Software](https://www.softwareadvice.co.uk/directory/4165/financial-risk-management/software) ## Links - [View on SoftwareAdvice](https://www.softwareadvice.co.uk/software/690231/Covenant-Desk-Lending) ## This page is available in the following languages | Locale | URL | | en | | | en-AU | | | en-GB | | | en-IE | | | en-NZ | | ----- ## Structured Data