Understand how the SME actually operates. Map its position in the value chain. Capture character, competence, and cash flow, even when audited statements don't exist. Q-Lana guides the assessment where the data ends.
Five steps. About four hours of work, spread over the days the relationship matures. The output is a Risk Profile Canvas the credit team can defend and the borrower can recognise.
Structured visit with the borrower
Map products, payments, where margin sits
Character, capacity, cash flow, collateral
Evidence captured for the credit file
Three to five risks for the credit team
A discovery script is faster to understand by filling one out than by sitting through thirty minutes of slides. Step through the flow with a sample borrower and watch the answers become a Risk Profile Canvas.
Click through the Discovery Script. Drop answers into the Business Model canvas. The system suggests a value-chain position. Output is a draft Risk Profile Canvas and Visit Memo. Five minutes from question to artifact.
Launch the demo →Beyond the discovery script, four more tools sharpen the assessment. Each is built from decades of advisory work in markets where audited statements are scarce. We help you pick the ones that fit your process.
Structured guide that turns a borrower visit into trust-based qualitative intelligence. Distinguishes signal from noise. Designed for analysts who walk into a workshop, not a boardroom.
Simplified canvas that decodes how an SME earns, spends, and manages cash. Built for businesses without audited statements. Reads in fifteen minutes, drafts in forty-five.
Maps the SME's position in its sector. Flags where risk and margin sit. The Excel version becomes part of the credit file.
One-page snapshot organized around character, capacity, cash flow, collateral. The structured output of assessment that becomes the input to underwriting.
Trio that converts the visit into institutional memory. What evidence exists. What its quality is. Which three to five risks actually matter.
Add quote from a Relationship Manager who used the discovery process. Theme: the difference between a customer visit and a customer assessment.
[Name, Title, Bank or DFI]
Every later phase consumes the assessment. A weak Risk Profile Canvas weakens due diligence. Weak due diligence weakens covenant calibration. The first phase of building a relationship with the borrower carries the entire lifecycle. Q-Lana makes sure that this phase is structured, not improvised.
Thirty minutes. We compare what your team captures today against what the Risk Profile Canvas would capture, and tell you the gap.
Curated news with practitioner commentary. One Deep Dive. One applied tool. Read in fifteen minutes. Used the same week.