VERDICT CREDIT
The planned credit and fintech offering examines direct lending, asset-based finance, warehouse facilities, and loan portfolios.
INSTITUTIONAL OFFERING
The capabilities below describe the planned institutional offering. The live product is a data-center diligence demonstration with manual source review, provisional screening rules, and IC working drafts. Engagement availability and scope must be confirmed with the founding team.
Borrower Quality of Earnings must apply the credit agreement’s definitions, with every add-back evidenced and sized for leverage and pricing.
The planned loan-tape workflow tests eligibility, concentration, vintage performance, prepayment, and borrowing bases.
The proposed covenant engine codes agreement definitions and tracks compliance, headroom, and trend alerts for the credit committee.
Infrastructure leases, power contracts, and construction milestones would connect to debt-service coverage and the asset view.
FINTECH DILIGENCE
Trace gross payment volume to settlement and cash. Decompose take rate, interchange, and float income.
Examine acquisition cost, lifetime value, and contribution margin by cohort, channel, and product.
Tie fee, interest, interchange, and platform revenue to source systems and recognition policies.
Map lending and money-transmitter licenses, bank partner agreements, and program economics.
Trace core systems to the reported book and identify breaks in the evidence chain.
Connect loan-tape behavior, collateral eligibility, and repayment signals to the credit case.
FOR CREDIT COMMITTEES
The intended output combines borrower analysis, tape exceptions, covenant calculations, and source evidence.
Direct lenders, private credit funds, warehouse teams, bank partners, and asset-based finance investors bring different definitions and reliance needs. Each mandate must specify the facility, population, agreement terms, and required committee output.
Continuous surveillance through Verdict Monitor is the planned next stage after close.
EXPLORE THE SUITE
Screening scopes diligence. Diligence supports the committee. Monitoring follows the investment.
All nine Verdict products →THE NEXT DECISION
Explore the live data-center demonstration or speak with the co-founders about financial diligence, infrastructure, credit, and portfolio intelligence.