Why banks say 'Yes' to a DealPiloot file.
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 Case Studies Analyzed
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 Cash Flows
Don't stare blindly at reported profit. DealPiloot instantly calculates the normalized free cash flow after realistic management remuneration, private withdrawals, and incidental items (such as NOW or book profits).
Stress-tested DSCR
Underwriters appreciate that DealPiloot automatically calculates scenarios: what happens to the DSCR if the market interest rate rises by 1.5%, or if the debtor period increases by 15 days?