A file that comes back rarely costs less than six weeks: the time to be reviewed, the time to be corrected, the time to go before committee again. A review before filing costs a few days.
We read the file with the analyst's grid: do the figures reconcile across tables, do the ratios hold, are the assumptions justified or merely asserted, are the guarantees offered acceptable.
The report is ordered by severity, because not everything matters equally and you need to know where to spend your time.
What you receive
- A full review of the file: consistency across tables, ratios recalculated, missing documents.
- A written report listing points by severity, each with the correction proposed.
- A 90-minute session to go through the report.
Included
- A second reading of the corrected version, within 30 days
Not included
- Making the corrections themselves
- Building a file that does not exist — that is the full package
- Any approach to or representation before the bank
Frequently asked questions
What if the file is beyond saving?
We tell you, and we tell you early. That is precisely the value of a review before filing.
Do you intervene with the bank?
No, not under this service. No approach or representation is included.
Does the fee depend on the amount of credit?
No. The scope is the same whatever the amount, and the fee is independent of the outcome.