Our Honest Value Proposition
Guaranteed percentage default reductions
Elimination of all defaults
Specific ROI outcomes (results vary by portfolio)
24/7 automated monitoring of borrower financial health
Traffic light early warning system (Green/Amber/Red)
Human intervention when warning signs appear
Performance-based pricing (pay less when loans fail)
"Early warning + human intervention cannot fail to improve default prevention likelihood."
Even 1% = Strong ROI
Break-even: Just 1 default prevented per year
How Our Traffic Light System Works
Businesses never go from Green directly to Red. We catch Amber signals early and intervene immediately.
Action:
Routine monitoring, quarterly check-ins
Lender Notification:
Quarterly performance report
Action:
Immediate contact, root cause analysis, strategic guidance, weekly monitoring
Lender Notification:
Alert sent with action plan
Action:
Emergency intervention, daily monitoring, crisis management
Lender Notification:
Immediate notification + daily updates
The Default Problem
Every percentage point represents significant losses. As seasoned lenders, you know your own default rate. That's the one you need to address. Our monitoring system identifies problems 6-12 months before default through continuous data analysis and proactive intervention.
Why Default Rates Vary
We understand that default rates reflect lending criteria, not lender competence. Different risk profiles require different solutions.
Characteristics:
- • Property or asset collateral
- • Established businesses
- • Strong credit history
- • Recovery through liquidation
Our Value:
Optimize already-strong performance. Catch early warning signs before collateral value erosion.
Characteristics:
- • Invoice finance, stock funding
- • Partial collateral coverage
- • Growing businesses
- • Variable recovery rates
Our Value:
Bridge the gap between monitoring and intervention. Protect against collateral shortfalls.
Characteristics:
- • No collateral protection
- • Start-ups, high-growth ventures
- • Limited credit history
- • 100% loss on default
Our Value:
Maximum impact. Every default prevented = full loan value saved. Highest ROI potential.
The Reality: Your default rate reflects your market positioning and risk appetite, not your lending expertise.
Our traffic light monitoring system delivers value across all lending types, with ROI scaling to your specific risk profile. Unsecured lenders see the highest returns because every intervention has maximum impact.