Eddy

Live demo: https://onya-g8f4.vercel.app (public SEC data, no sign-up). Onya is a covenant monitoring agent for private credit lenders. Onya is Swahili for "warn". Lenders protect their loans with financial covenants such as a maximum leverage ratio, but checking them means reading a long credit agreement and its amendments, rebuilding the ratios from filings each quarter, and trusting the borrower's add-backs. Onya does that work. It finds the credit agreement in force on SEC EDGAR as of the test date, extracts the covenant definitions with verbatim quotes that are checked against the filing, recalculates the ratios in deterministic Python from XBRL and earnings release figures, applies the agreement's caps on add-backs, projects the next test, sizes the cure in dollars, and drafts a memo with recommended lender actions and an information request to send the borrower. Each figure in the memo is checked against tool output and links back to its source. Private mode compares a borrower's own compliance certificate against Onya's recalculation without storing the upload. Case study, Sleep Number: Onya reproduces the Q3 2025 net leverage of 4.97x against a 5.25x limit. For January 2026 it shows the pass relied on $50M of projected savings (5.47x without them). For April 2026 it shows a breach at 6.58x, and 5.06x even with $44M of projected savings, against a 4.75x limit. The company filed for Chapter 11 in June 2026. Onya flagged high risk from the January numbers, before the breach. Back-test on 12 public borrowers: 23 of 23 disclosed covenant figures matched, and 19 of 21 contract limits matched, each with a verified covenant quote; the other 2 were changed by later amendments and are flagged. One borrower's agreement was filed as scanned images and could not be read.