Run your lending portfolio like a credit fund
CreditPal tracks true IRR, defaults and idle cash across every loan, then lets you tune risk and stress-test the portfolio before you deploy more capital.
What CreditPal does
True IRR
XIRR on actual cash flows, not the headline rate a platform quotes.
Risk allocation
See exposure across safe, medium and aggressive buckets and set limits for each.
Capital deployment
A deployment curve that shows idle cash periods and how fast capital is put to work.
Monte Carlo simulation
Run 1,000 scenarios to see the spread of outcomes, not one forecast.
Alerts
Warnings for aggressive exposure over 25%, default spikes, idle cash, IRR below target and concentration risk.
AI insights
Recommendations drawn from how the portfolio is actually performing.
Risk knobs you can turn
Set the shape of the portfolio, then see what it does to returns.
- Allocation across safe, medium and aggressive risk buckets
- Maximum loan tenure of 6, 9, 12 or 18 months
- An idle cash threshold, and a target IRR simulator for the allocation that meets it
- Capital preservation and growth presets
Try CreditPal
P2P lending analytics and risk control that runs your portfolio like a credit fund.