Penomo joins the Rockstart Energy Fund portfolio. Read more
CredOS™ is the operating system
for infrastructure credit.
CredOS™ is the operating system
for infrastructure credit.
We help infrastructure credit teams source, structure and monitor quality assets with automation, control and transparency to accelerate credit velocity and portfolio performance. Powered by AI.
Built with decades of combined expertise in Infra Alternative Credit
Built with decades of combined expertise in Infra Alternative Credit





Purpose-built, automated your proprietary workflows to relieve you of mundane, complex tasks.
Purpose-built, automated your proprietary workflows to relieve you of mundane, complex tasks.
Source. Structure. Manage.
with speed
Source. Structure. Manage.
with speed
End-to-End Credit Lifecycle Automation

Originate & Intake
Normalises submissions, asset valuation & filtering, extracts financials, resolves units, and builds a clean base case; compares like-for-like across technologies and geographies.
Underwrite & Structure
Deterministic coverage/math (DSCR, ICR, debt yield), covenant & security playbooks, term-sheet automation, and IC packs with pricing rationale (DSCR target vs priced, gap, coupon source).
Close, Monitor & Manage
Document generation, covenant tracking, DSRA/waiver workflows, Jurisdiction-specific risk checks, web scanning for regulatory compliance, stress tests, and portfolio drill-downs by country, tech, counterparty.
End-to-End Credit Lifecycle Automation

Originate & Intake
Normalises submissions, asset valuation & filtering, extracts financials, resolves units, and builds a clean base case; compares like-for-like across technologies and geographies.
Underwrite & Structure
Deterministic coverage/math (DSCR, ICR, debt yield), covenant & security playbooks, term-sheet automation, and IC packs with pricing rationale (DSCR target vs priced, gap, coupon source).
Close, Monitor & Manage
Document generation, covenant tracking, DSRA/waiver workflows, Jurisdiction-specific risk checks, web scanning for regulatory compliance, stress tests, and portfolio drill-downs by country, tech, counterparty.
End-to-End Credit Lifecycle Automation

Originate & Intake
Normalises submissions, asset valuation & filtering, extracts financials, resolves units, and builds a clean base case; compares like-for-like across technologies and geographies.
Underwrite & Structure
Deterministic coverage/math (DSCR, ICR, debt yield), covenant & security playbooks, term-sheet automation, and IC packs with pricing rationale (DSCR target vs priced, gap, coupon source).
Close, Monitor & Manage
Document generation, covenant tracking, DSRA/waiver workflows, Jurisdiction-specific risk checks, web scanning for regulatory compliance, stress tests, and portfolio drill-downs by country, tech, counterparty.
Who is this for?
Who is this for?
Infrastructure private-credit leadership
Infrastructure private-credit leadership
Project-finance underwriting & structuring Teams
Project-finance underwriting & structuring Teams
Infrastructure debt portfolio & servicing Teams
Infrastructure debt portfolio & servicing Teams


The CredOS™ Value
The CredOS™ Value
Institutional control at speed, actionable context that moves price,
and seamless monitoring from file to portfolio.
Institutional control, at speed
Standardised math, documented assumptions, and audit trails across every deal.
From file to portfolio
The same engine that closes a loan also monitors covenants, triggers, and repricing signals.
Market data enrichment for risk.
Detecting and surface policy, counterparties, and market shifts with citations tied to terms.
At a glance
At a glance
70%
70%
Faster Sourcing
Save weeks if not months of laborious work with faster first-pass deal screening. From upload → go/no-go (auto-extraction, rules, and eligibility checks).
50%
50%
Shorter Underwriting
Shorter underwriting-to-IC turnaround IC pack, covenants, term sheet, and DD checklist generation.
80%
80%
Less Manual Reporting
Reduce manual effort and bandwidth with automated covenant tests, data pulls, drawdown/waiver workflows, and portfolio alerts.
CredOS™ cuts through speed bottlenecks helping private capital reach impact assets faster. Automate your credit workflow now.
CredOS™ cuts through speed bottlenecks helping private capital reach impact assets faster. Automate your credit workflow now.
Contact Us
Contact Us
Interested in one of our products or have a question? Send us a message and we'll get backto you shortly.
You can send us a message by filling out the form or by emailing us at hello@penomo.com
Built with decades of combined expertise in Infra Alternative Credit





penomo
© 2025 Penomo Foundation Ltd.
3 Fraser Street #04-23A Duo Tower
Singapore 189352
© 2025 Penomo B.V.
Daalwijkdreef 47, 1103 AD,
Amsterdam, Netherlands
Copyright © 2025 Penomo BV
Penomo B.V. is a technology company providing infrastructure software and data solutions. We do not engage in or provide regulated financial, investment, or brokerage services.
Disclaimer: The information presented on Penomo’s website is for informational purposes only. It does not constitute investment brokerage, investment advice, or any form of financial recommendation. Penomo does not provide legal, tax, or financial advice. This content should not be interpreted as an offer, recommendation, or solicitation to make investment decisions, purchase financial instruments, or enter into any contractual agreement. The information provided does not account for individual investment objectives, financial situations, or specific needs. Penomo strives to ensure the accuracy and relevance of its content; however, all information is subject to change without notice. We do not guarantee updates to reflect changes in market conditions, regulations, or business operations. Users should seek independent professional advice before making any financial or investment decisions.
For further inquiries regarding regulatory compliance and specific jurisdictional details, please contact us
penomo
© 2025 Penomo Foundation Ltd.
3 Fraser Street #04-23A Duo Tower
Singapore 189352
© 2025 Penomo B.V.
Daalwijkdreef 47, 1103 AD,
Amsterdam, Netherlands
Copyright © 2025 Penomo BV
Penomo B.V. is a technology company providing infrastructure software and data solutions. We do not engage in or provide regulated financial, investment, or brokerage services.
Disclaimer: The information presented on Penomo’s website is for informational purposes only. It does not constitute investment brokerage, investment advice, or any form of financial recommendation. Penomo does not provide legal, tax, or financial advice. This content should not be interpreted as an offer, recommendation, or solicitation to make investment decisions, purchase financial instruments, or enter into any contractual agreement. The information provided does not account for individual investment objectives, financial situations, or specific needs. Penomo strives to ensure the accuracy and relevance of its content; however, all information is subject to change without notice. We do not guarantee updates to reflect changes in market conditions, regulations, or business operations. Users should seek independent professional advice before making any financial or investment decisions.
For further inquiries regarding regulatory compliance and specific jurisdictional details, please contact us
penomo
© 2025 Penomo Foundation Ltd.
3 Fraser Street #04-23A Duo Tower
Singapore 189352
© 2025 Penomo B.V.
Daalwijkdreef 47, 1103 AD,
Amsterdam, Netherlands
Copyright © 2025 Penomo BV
Penomo B.V. is a technology company providing infrastructure software and data solutions. We do not engage in or provide regulated financial, investment, or brokerage services.
Disclaimer: The information presented on Penomo’s website is for informational purposes only. It does not constitute investment brokerage, investment advice, or any form of financial recommendation. Penomo does not provide legal, tax, or financial advice. This content should not be interpreted as an offer, recommendation, or solicitation to make investment decisions, purchase financial instruments, or enter into any contractual agreement. The information provided does not account for individual investment objectives, financial situations, or specific needs. Penomo strives to ensure the accuracy and relevance of its content; however, all information is subject to change without notice. We do not guarantee updates to reflect changes in market conditions, regulations, or business operations. Users should seek independent professional advice before making any financial or investment decisions.
For further inquiries regarding regulatory compliance and specific jurisdictional details, please contact us
Penomo joins the Rockstart Energy Fund portfolio. Read more
Penomo joins the Rockstart Energy Fund portfolio. Read more
Penomo joins the Rockstart Energy Fund portfolio. Read more
Penomo joins the Rockstart Energy Fund portfolio. Read more