Every loan. Every drawdown. Every report. One record.
kennek replaces the stack of legacy LMS, spreadsheets and email chains with one loan book, from origination to investor report.
How it fits together
One loan, start to finish, on one record.
Follow one loan from first enquiry to investor report.
- EnquiryEnquiry received from broker
- ApplicationApplication submitted
- UnderwritingValuation added, LTV and GDV calculated
- Credit CommitteeCredit Committee: approved
- OfferOffer letter issued
- LegalsConditions precedent cleared
- CompletionLoan completed and live
- ServicingDrawdown released
- RedemptionRedemption statement issued
- ReportingFunder report sent
Inside kennek
Follow one loan through the real thing.
Six screens rebuilt from the live product, following one bridging loan from the broker’s first email to the book it lands in. Each one plays itself, then it’s yours to try.
01 / 06Enquiry
The broker's email becomes the enquiry.
Paste it in. kennek pulls out the borrower, the numbers and the security, and writes the summary your credit team reads first.
- Borrower, collateral and loan terms filled in for you
- No re-keying between inbox and pipeline
kennekJRNew enquiry
Enquiry
AI-powered extractionFrom: Priya Desai, Fernhill Capital Partners
Subject: Bridge for a purchase and refinance
Borrower: Halden Rise Developments Ltd (SPV), PG from the director
Director: Tom Ashby, developer with 9 completed schemes
Credit: clean, no CCJs, defaults or arrears
Gross loan: £1,350,000 over 15 months
Interest: 0.79% pm, serviced
Arrangement fee: 2% (£27,000)
Purpose: purchase (£1.08m), refinance existing debt (£242k)
Security: 3 properties, est. value £2.06m
Exit: sale of two units, or refinance to term debt
Completion is needed within 21 days, so a quick DIP would help.
AI Summary
Enquiry details
Borrower
Broker
Product
Gross loan
Term (months)
Rate (monthly)
Arrangement fee
Collateral
Your turn. Hover a field to see the words it was read from.
02 / 06Pricing
Price the deal before you hang up.
Interest, fees, net drawdown and LTV recalculate as you move the terms, measured against the security already on the record.
- Day 1 and end-of-term LTV, worked out for you
- Max loan at every LTV band
kennekJRKN-2417B/Halden Rise Developments Ltd
NewLoan details
Product
BridgeInterest collection
ServicedSecurity (3 properties)£2,060,000Pricing calculator
Total interest cost
£159,975.00
Initial drawdown
£1,322,250.00
Arrangement fee
£27,000.00
Procuration fee
£13,500.00
Broker fee
£750.00
Exit fee
£13,500.00
Monthly interest cost
£10,665.00
Collateral ratios
Gross day 1 LTVDefault65.53%Day 1 net LTV64.19%Gross end of term LTV66.19%Max loan at LTV
- 50%£1,030,000.00
- 55%£1,133,000.00
- 60%£1,236,000.00
- 65%£1,339,000.00
- 70%this loan£1,442,000.00
- 75%£1,545,000.00
- 80%£1,648,000.00
Your turn. Drag the terms and watch the LTV band move.
03 / 06Collateral
Land Registry, checked against the deal.
Pull the live title register for any address. kennek checks the registered owner against the parties on the application, and flags titles already used as security elsewhere.
- Companies House lookups work the same way
- Conflicts caught before credit committee
kennekJRKN-2417B/Halden Rise Developments Ltd
UnderwritingCollateral 1
PropertyAddress
Land Registry
Pick an address to searchTitles, owners and charges, straight from HM Land Registry.Title number
—Tenure
—Estimated value
—Your turn. Now try 3 Mill Wharf, or 27 Abbotsford Road.
04 / 06Underwriting
Risk scored. Every answer signed.
Underwriters work through your own risk questions. Scores update as they go, and every answer records who gave it and when.
- Weighted questions, scored as you answer
- A credit decision you can evidence
kennekJRKN-2417B/Halden Rise Developments Ltd
UnderwritingTotal risk score0/2Risk scoreN/ACollateral assessment
Are the project cost estimates significantly above industry standards?
Risk level: 0/20Are there unresolved zoning, environmental or legal issues with the property?
Risk level: 0/25Does the exit rely on the sale of a single property?
Risk level: 0/15
Your turn. Change an answer and watch the score move.
05 / 06Servicing
Restructure a live loan with the schedule in front of you.
Extend the term, reprice it or roll up the interest, preview every payment before you commit, then apply it in one step. Unapply it if you need to.
- Formal and informal extensions, with their fees
- Every change on the audit trail
kennekJRKN-2417B/Halden Rise Developments Ltd
ActiveProduct type
Serviced
Gross loan amount
£1,350,000.00
Interest rate (p/m)
0.79%
Term (months)
15
End date
19/01/2028
Term extension · Formal
PendingExtend by (months)
Revised rate (p/m)
Interest collection
Restructure details
- New term
- 15 months
- New end date
- 19/01/2028
- Extension fee (upfront)
- —
- Additional interest
- £0.00
Repayment schedule preview
Payment dateTotal accruedPaymentClosing balanceYour turn. Unapply it, then try six months at a higher rate.
06 / 06Portfolio
Your whole book, or one funder’s share of it.
Live loans, utilisation, drawdowns and loans by stage, for the whole book or filtered to a single funder in one click.
- Credit quality, maturity and yield views
- Concentration by product, region and LTV
kennekJRPortfolio
FunderBook
Live loans
84
Loan book
£212.6M
Undrawn
£41.3M
Utilisation
83.73%
Drawdowns £0M£10M£20M£30M£40MNovDecJanFebMarAprMayJunJulAugSepOctLoans by stage - Active7864%
- In arrears22%
- Default43%
- Redeemed3831%
- Default rate
- 1.24%
- Average loan
- £2.5M
Your turn. Switch funder, and hover a month for its drawdowns.
kennek AI
AI that does the typing. Your team makes the calls.
Two ways AI already saves hours in kennek: reading the documents that arrive with every deal, and answering questions about the book from wherever your team works.
01 / 02Document AI
Upload the report. The application fills itself.
Drop in a valuation report or an application form and tick "Fill with AI". kennek reads every page, lists what it found with the page it came from, and nothing goes in until your team has checked it.
- Valuation reports and application forms, read in seconds
- Every value shows its source page
- Straight from upload or from SharePoint
kennekJRKN-2417B/Halden Rise Developments Ltd
UnderwritingStored files
No files stored yet.
Drop a valuation report or an application form hereGenerated documents
Indicative terms
Credit paper
Offer letter
Your turn. Upload the report, then check what AI found.
02 / 02MCP connector
Ask your loan book a question, in the AI tools you already use.
kennek's MCP connector lets your team ask Claude or ChatGPT about loans, the portfolio, the pipeline and tasks, and get answers straight from the live loan book. No reports to export, no screens to click through.
- Signs in with your normal kennek login
- Read-only: it looks things up, it never changes anything
- Everyone sees only what their role allows
AI assistantkennekConnectedAsk about your loan book…
Your turn. Pick a follow-up to ask kennek another question.
What's inside
Everything a specialist originator runs, in one place.
Origination
From enquiry to completion, with credit control built in.
- Configurable pipeline with stages, owners and ageing
- Introducer register, with fees tracked per deal
- Applications shared with brokers, with information requests and access you can revoke
- Product-specific application fields
- Credit assessment and Credit Committee decisions on the record
Questions originators ask us
Your RFP, already answered.
The questions from a real originator's RFP, all live in kennek today. Pick one to see how it works.
How it fits together
Origination
Servicing
Interest engine
Multi-currency
Funders
Reporting
Audit & security
Integrations
Moving to kennek
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See it on your own loans
See it on your loans.
We'll walk your team through a live kennek environment, pre-loaded with a loan book shaped like yours.
No commitment. No credit card. Just a conversation about your loan book.
- Format
- 30-minute walkthrough
- Where
- Online, by video call
- You'll see
- Your loan structures, your covenants