# Levocred AI

> Levocred AI is an AI-native operating system for structured credit teams. It ingests a fund's loan tape, credit agreements, servicer reports, and bank feeds, then automates the recurring analytical work that follows - borrowing base reports, real-time covenant monitoring, credit analysis and investment committee memos, lender packages, collections, and cash reconciliation. Founded in 2025 and backed by Y Combinator (S26), the company monitors more than $500M in capital across 10+ facilities in production.

- **Founded:** 2025
- **Headquarters:** San Francisco, California, United States
- **Founders:** Mohit Gupta (Co-Founder & CEO), Saksham Gupta (Co-Founder & CTO)
- **Team size:** 2-3
- **Products:** Borrowing Base, Covenant Monitoring, Credit Analysis & IC Memos, Lender Packages, Collections
- **Notable:** Monitoring $500M+ in capital across 10+ facilities in production, Accepted into Y Combinator's Summer 2026 batch, Early deployment at Pier Asset Management

## Products & services

- **Borrowing Base** — Converts loan tape data into lender-ready borrowing base PDFs with advance rates tied out and every figure cited.
- **Covenant Monitoring** — Real-time, continuous covenant surveillance that flags breaches the same day with timestamps rather than at month-end.
- **Credit Analysis & IC Memos** — Auto-generates credit analysis and investment-committee memos from system data - example turnaround under nine minutes.
- **Lender Packages** — Assembles lender documentation from a single unified data source and tracks quarterly output and queued items.
- **Collections** — Centralized delinquency queue that loads loan context, agency contacts, promises-to-pay, and recovery tracking, with FDCPA/TCPA/CFPB-compliant trails.
- **Treasury & Cash** — Live facility-wide cash reconciliation and multi-account consolidation.
- **Facility Workspace** — Central repository for agreements, compliance certificates, and loan tapes.

## Achievements

- Monitoring $500M+ in capital across 10+ facilities in production
- Accepted into Y Combinator's Summer 2026 batch
- Early deployment at Pier Asset Management
- Models trained specifically on credit agreements and loan tapes for audit-ready outputs

## Latest updates

- **2026-06** — Raised seed funding as part of Y Combinator Summer 2026 batch.
- **2026-07** — Platform in production monitoring $500M+ across 10+ facilities; live at Pier Asset Management.

## Links

- Website: https://levocred.com
- LinkedIn: https://www.linkedin.com/company/levocred-ai

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Profile page: https://yespress.io/levocred-ai-yc-s26
Published by YesPress — https://yespress.io
Last updated: 2026-07-30