Pre-investment subject diligence
Identity, criminal, civil, watchlist, regulatory, and adverse-media screening with analyst verification on every borrower principal — Level 1 delivered on a 48-hour average turnaround.
For Private Credit Funds
Diligence at the speed of the deal.
OnTrial delivers pre-investment subject diligence on borrowers and principals with a 48-hour average turnaround on Level 1 due diligence — built specifically for private credit signing windows. Reputational, regulatory, asset, and beneficial-ownership exposure, verified and delivered before the close.
Service page
What private credit due diligence investigations cover — borrower principals, sponsors and guarantors at origination, throughout the loan and after a default.
The 48-hour average
48 hours, on average.
Most diligence vendors quote 2–4 weeks. OnTrial's Level 1 due diligence has a 48-hour average turnaround, built for private credit signing windows that can't wait that long. Identity, criminal, civil, watchlist, regulatory, and adverse-media screening on the borrower principals, analyst-verified and delivered before the close. Level 1 covers one company plus up to three principals and requires the subject's signed authorization.
Level 1
48h
Comprehensive Screening · average turnaround
Level 2
Custom
Enhanced Business Intelligence · timeline agreed at scoping
The work
What the diligence covers.
Enhanced business intelligence
Level 2 — Enhanced Business Intelligence is a custom-scope engagement, quoted individually: discreet source inquiries, open-source digital analysis, beneficial-ownership and OFAC 50 Percent Rule analysis, ground-truth verification, and an intelligence briefing with dossier. The timeline is agreed at scoping.
Cross-border principal diligence
Foreign principals, multi-jurisdiction watchlist and adverse-media screening, PEP identification, global reputational deep-dive — sourced and verified to AML / KYC enhanced-due-diligence standards. See China & APAC due diligence for APAC borrowers and guarantors.
Asset & financial exposure
Real estate, business interests, judgments, liens, and cryptocurrency accounts tied to a borrower or principal. Used in pre-investment and recovery contexts.
Typical engagements
When private credit funds use OnTrial.
- Pre-signing diligence on borrower principals — Level 1 turnaround averaging 48 hours
- AML / KYC enhanced due diligence on counterparties
- Cross-border principal diligence for international deals
- Beneficial-ownership mapping for layered structures
- Adverse-media and regulatory screening pre-close
- Cryptocurrency exposure analysis on crypto-adjacent principals
- Recovery diligence on workout and distressed-credit positions
The operating discipline
Speed without compromising the standard.
The Level 1 turnaround averaging 48 hours runs on the same operating discipline as every engagement. Faster, not lighter.
Every internal role at OnTrial is held by a veteran of the U.S. military, federal law enforcement, or state / municipal law enforcement — by mandate. Every finding is analyst-verified before delivery. Chain of custody is documented from intake through delivery.
SOC 2 aligned; FCRA, GLBA, and CCPA compliant. AI governance posture is documented and procurement-reviewable — see AI Governance and Data Security.
Licensed and insured in Texas. Zero regulatory complaints since founding.
FAQ
For private credit, specifically.
- Can OnTrial complete pre-investment diligence in 48 hours?
- Typically, yes. Level 1 — Comprehensive Screening averages a 48-hour turnaround on one company plus up to three principals. The clock runs from confirmed receipt of the subject names, matter details, and the subject's signed authorization. For custom Level 2 — Enhanced Business Intelligence engagements, the timeline is agreed at scoping.
- What's the difference between Level 1 and Level 2 diligence?
- Level 1 — Comprehensive Screening covers one company plus up to three principals (additional principals can be added): identity, criminal, civil, watchlist, regulatory, and adverse-media screening with analyst verification. It requires the subject's signed authorization and averages a 48-hour turnaround. Level 2 — Enhanced Business Intelligence is a custom-scope engagement, quoted individually: discreet source inquiries, open-source digital analysis, beneficial-ownership and OFAC 50 Percent Rule analysis, ground-truth verification, and an intelligence briefing with dossier. The timeline is agreed at scoping. Both carry the same analyst-verification and chain-of-custody standard.
- Does OnTrial handle foreign principals?
- Yes. OnTrial supports cross-border due diligence on foreign principals with regulatory and watchlist screening across jurisdictions, beneficial-ownership mapping, PEP identification, and global asset and reputational exposure.
- Can OnTrial support AML / KYC enhanced due diligence requirements?
- Yes. OnTrial Due Diligence is structured around enhanced-due-diligence requirements for AML / KYC, including watchlist and adverse-media screening, beneficial-ownership mapping, source-of-wealth signals, and politically-exposed-person identification. Defensible for regulator and audit review.
Close on the schedule the deal demands.
Open your OnTrial client portal account in under five minutes and order directly through the secure client portal. Level 1 turnaround averaging 48 hours from day one.