01
Start with current context
Review the borrower’s public profile alongside current management information and the plan being put forward.
For lenders
Underwrite on what is happening now. See drift before the next review.
Bring borrower identity, current management information, the forward plan and supporting evidence into one explainable view. Assess the cash question, test the plan and keep sight of material variance after drawdown.
Current information. A visible method. A record that supports review.
Certifii Trust Index (CTI)Illustrative
46/100
CTI
Seven CTI axes
Free Cash
Liquidity
Profitability
Stress Resilience
Forecast Evidence
Forecast Discipline
Forecast Coherence
01Current context, not a headline alone.
02Financial consequences connected to the plan.
03Evidence and questions retained for review.
The underwriting question is forward-looking.
Filed accounts explain where a business has been. A credit decision also needs to understand how the business is operating now, what management expects next and how debt behaves when the plan moves.
02
Test the cash consequences
Follow assumptions through to revenue, costs, working capital, cash and the balance sheet.
03
Keep the record live
Compare actual performance with plan and support the next review from the same case.
The CTI shows the shape of the case, not just a number.
The Certifii Trust Index is a standardised, explainable index. It makes seven visible dimensions available alongside the underlying drivers and evidence.
Seven visible axes
01Free Cash
02Liquidity
03Profitability
04Stress Resilience
05Forecast Evidence
06Forecast Discipline
07Forecast Coherence
Make the pressure points visible.
The CTI gives an underwriting team a common map of financial position, resilience and plan coherence, with the evidence and drivers beneath the headline result.
Accounting for the numbers. AI for explanation.
One route from borrower connection to ongoing review.
The same case can support the first credit conversation and the subsequent monitoring record.
01
Connect or invite
View public context, or invite the borrower to contribute the plan and evidence securely.
02
Review the case
Begin with the CTI, then inspect the Financial Plan and Financial Model.
03
Test integrity
Use Integrity Checks to identify items that need explanation, evidence or a lender view.
04
Monitor the live case
Compare actual performance with the plan and retain the rationale for the next review.
Certifii
Make the credit conversation about the live business.
Bring the financial plan, evidence and monitoring record into the same decision path.