Convert the assessment into a credit recommendation the IC can defend. Hypothesis-led. Cash-flow tested. Sensitivity calibrated. The IC sees what to approve, what to amend, what to decline, with full transparency on assumptions.
Five activities. Two to four weeks of work, depending on deal complexity. The output is a credit narrative the IC can interrogate, plus an audit trail every reviewer can follow.
Kill-gate logic in 10 to 20 minutes
Three to five fragilities articulated
Reconstruction, forecast, sensitivity
Information requests, field and desk
One-page story, five-slide pack
The discipline that separates a credit story from a credit memo. Pick a sample deal. The system formats your fragilities into the If, Then, Mitigated by structure and scores each one.
Enter three fragilities. The system formats them into the If X then Y mitigated by Z structure. Scores against five quality criteria. Exports a draft Risk Hypothesis Canvas with cross-phase trace lines into Pre-Disbursement and Monitoring.
Launch the demo →Five tools turn the hypothesis into a defensible recommendation. 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.
Two to four page deal positioning document with a 10-20 minute screening checklist. Decides Reject, Hold, or Proceed. Maximum risk coverage in minimum time.
The intellectual centerpiece of origination. Articulates the three to five fragilities that could break the deal. Format: If X happens, then Y impact, mitigated by Z.
Six-line driver-based P&L. Twelve-month cash flow reconstruction. Confidence Matrix. Base, best, worst forecasts. Sensitivity breakpoints. Every number traces to a discovery question.
Excel workplan that turns the Risk Hypothesis into a sequenced field and desk plan. IRL split between borrower and third-party requests. Project-management spine of due diligence.
Six-section, one-page credit story. Five-slide IC package. One-page answer ladder for IC pressure. Backed by the IC Memo Decision Quality Rubric.
Add quote from a Head of Credit who deployed the hypothesis-led method. Theme: how the canvas changed IC discussions and shortened review cycles.
[Name, Title, Bank or DFI]
A credit memo without a hypothesis is a description. A credit memo with a hypothesis is a decision. The Risk Hypothesis Canvas forces every analyst to articulate what could break the deal and what would catch it. Every later phase, from covenant calibration to portfolio reason codes, consumes that hypothesis. The discipline is set here.
Forty-five minutes. We read your most recent IC memo and tell you what the Risk Hypothesis Canvas would have caught, and what it would have asked.
Curated news with practitioner commentary. One Deep Dive. One applied tool. Read in fifteen minutes. Used the same week.