See exactly what your credit committee receives — an evidence-backed credit memo assembled from the borrower’s connected data. Full sample below, no sign-up required.
Lender credit memo
Prepared for North Bank — Credit Committee · June 1, 2026 · Doc INSPEX-CM-2026-0418
Decision support — candidate language only, not a credit decision.
Overall evaluation score 86 / 100 · evidence-backed range
DSCR
1.42
adequate · debt service $350,000/yr
LTV
68%
policy cap 80%
Verification
84%
independently corroborated
| Source | Metric | Value | Provenance |
|---|---|---|---|
| QuickBooks | Net income (TTM) | $402,000 | API-verified |
| QuickBooks | Owner compensation add-back | $96,000 | API-verified |
| Owner-reported | Pending channel expansion (not counted) | $140,000 | Self-reported |
Adjusted cash flow $498,000 · basis: net_income + owner_comp add-back (verified accounting)
KYC — verified
Counterparty identity verification.
AML / sanctions — clear
Sanctions, PEP, and adverse-media screening.
Scores and value ranges are estimates based on connected data and model assumptions. They are not investment, legal, tax, or appraisal advice.
The same connected data produces the artifact each side of the deal needs — all three below are the same sample asset, seen through each lens.
DSCR/LTV against your policy, verified cash flow with provenance, KYC/AML, and a candidate decision — LOS-ready.
Identity and sanctions screening, valuation defensibility, and a verifiable evidence trail for the data room.
An evidence-backed value range and readiness score the owner can share to get fundable and connect to capital.
Valuation defensibility, a verifiable evidence trail, and founder screening — data-room ready.
VC diligence summary
Prepared for Meridian Ventures — IC · June 1, 2026 · Doc INSPEX-VC-2026-0418
Evidence assessment — not investment advice.
Overall evaluation score 86 / 100 · basis: 4.1× ARR (revenue-multiple, verified)
Verified coverage
84%
of value drivers corroborated
ARR
$1.02M
Stripe-verified, +38% YoY
Comparables
18
closed SaaS sales in band
| Source | Signal | Value | Provenance |
|---|---|---|---|
| Stripe | Annual recurring revenue | $1.02M | API-verified |
| QuickBooks | Net margin (TTM) | 31% | API-verified |
| Google Analytics | Monthly sessions | 142k / mo | Independent |
| GitHub | Commit cadence (90d) | active | Platform |
| Owner-reported | Sales pipeline (not counted) | $140k | Self-reported |
Founder identity — verified
Counterparty identity verification.
Sanctions / adverse media — clear
Sanctions, PEP, and adverse-media screening.
Scores and value ranges are estimates based on connected data and model assumptions. They are not investment, legal, tax, or appraisal advice.
An evidence-backed value range, a readiness score, and exactly what would lift the number.
Owner valuation report
Prepared for the owner · June 1, 2026 · Doc INSPEX-OV-2026-0418
$3.2M — $4.1M
Basis: 4.1× ARR, triangulated against 18 comparable SaaS sales
Verified coverage
84%
connect more to raise it
ARR
$1.02M
Stripe-verified
Value drivers
6 / 8
verified
Scores and value ranges are estimates based on connected data and model assumptions. They are not investment, legal, tax, or appraisal advice.
Connect a borrower’s real data and Inspex assembles a memo your committee can verify — in minutes, not days.
