What underwriters need to assess an application directly: the 5D standard for SME credit underwriting.
The 5-Dimensional Framework in Plain English
Every finance case is unique. DealPiloot classifies the application across 5 axes (score 5-25) and determines the required depth in real-time. Click on a dimension to see what underwriters demand:
1. Finance Type
The 4 File Depths of DealPiloot
From feather-light intake to multiple holding structure: the credit file grows organically with the complexity of the case.
Light Intake Report
Quick intake report, client confirmation, handover, and checklist of missing documents.
Standard File
Liquidity forecast, cleanup of private withdrawals, and basic solvency check.
Extended CreditPack
EBITDA normalization, DSCR current vs new, coverage value, and government-backed loan estimation.
Comprehensive File
Multiple scenario stress tests, cohorts, intercompany loans, and covenant structure.
3 Representative Financing Scenarios
See how DealPiloot's 5D methodology solves failure factors in traditional applications and converts them into a clear, actionable credit memorandum.
Vermeer Concrete Technology B.V.
The Starting Situation
Holding with 2 operating companies. Large infra contracts require zero-emission machines. DGA contributes € 40k own funds.
The Credit Risk Without DealPiloot
The DealPiloot Solution
* Anonymized model situations for demonstrating the 5D file depth and acceptance logic.
What financiers and credit committees really appreciate
Bankers and alternative financiers are not enemies; they are risk managers short on time. DealPiloot structures the credit file exactly according to the logic of their underwriting software.
Strict separation of sources
Many brokers mix statements from the client with factual figures. DealPiloot splits every file clearly into three levels: (1) Stated by the client, (2) Substantiated by figures, and (3) The broker's opinion.
Normalized Free Cash Flow Clarity
Never rely blindly on reported book profits. DealPiloot isolates true free cash flow adjusted for management compensation, private withdrawals, and non-recurring items.
Repayment Capacity (DSCR) & Security
Underwriters instantly see whether the business can comfortably service interest and principal — including interest rate stress tests and a clean collateral matrix.