For fintech & digital lenders
Start underwriting with the financial work already done.
Chief delivers Valuation, Quality of Earnings, normalized financials and source-linked financial intelligence earlier in the lending process. Underwriting doesn't have to wait for the analysis.
The problem
The analysis can become the bottleneck.
Important financial analysis often happens after underwriting has already started. When Valuation, Quality of Earnings or normalized earnings take days or weeks to arrive, the rest of the file waits with it.
- Application
- Document collection
- Financial review
- Valuation / QoE
- Waiting · days to weeks
- Underwriting
- Credit decision
The Chief model
Build the financial foundation first.
Chief moves important financial diligence earlier in the process, so it runs alongside the rest of the file instead of after it.
Before
Collect wait analyze wait underwrite
With Chief
Collect Chief structures and analyzes underwriting starts with better financial intelligence
Financial intelligence layer
Give underwriting the building blocks it needs.
- Tax returns
- P&L
- Balance sheet
- General ledger
- Bank statements
- Payroll
- AR / AP
- Purchase agreement
- Transaction structure
Chief
Financial analysis
Financial file · contents
- 01
Normalized financials
Historical performance organized and reconciled.
- 02
Normalized EBITDA
Reported earnings reconciled to supported earnings.
- 03
QoE adjustments
Proposed, supported, partially supported and excluded adjustments.
- 04
Valuation
Defensible business-value analysis.
- 05
Proof of cash
Reported performance reconciled against cash activity where applicable.
- 06
Working capital
AR, AP, inventory and normalized working capital where applicable.
- 07
Transaction facts
Purchase price, structure, equity, seller financing and other deal terms.
- 08
Source references
Important conclusions tied back to supporting evidence.
Time compression
Compress the waiting, not the underwriting.
Chief doesn't ask lenders to spend less time on credit judgment. It reduces time spent waiting for financial analysis and rebuilding information.
Traditional
With Chief
Valuation
1 business day*
Quality of Earnings
Under 2.5 weeks*
*From receipt of a complete document set.
Illustrative
What happens when a dependency arrives sooner?
Illustrative example
- Usually takes
- 5 days
- Chief delivers
- 1 day
- Potential wait removed
- 4 days
Illustrative example
- Usually takes
- About 5 weeks
- Chief delivers
- About 1 week
- Potential wait removed
- About 4 weeks
When Valuation or QoE sits on the critical path, faster delivery can remove days or weeks of waiting from the underwriting process. These are illustrations, not measured client outcomes.
The goal isn't less underwriting.It's less waiting before underwriting can move.
What underwriting receives
The financial foundation, assembled.
This is the work an underwriter would otherwise have to assemble or wait for.
Illustrative example · Fictional Harbor Manufacturing
Normalized financials
Harbor Mfg. · TTM
QoE adjustment schedule
Harbor Mfg. · TTM
Valuation summary
Harbor Mfg. · TTM
Transaction summary
Harbor Mfg. · TTM
Source references
Harbor Mfg. · TTM
The critical path
What Chief can move upstream.
Not every lender needs every piece. Chief can accelerate the ones that hold up the file.
Valuation
- Normalized financial analysis
- Valuation methodologies
- Value conclusion
Quality of Earnings
- Earnings normalization
- Adjustment testing
- Proof of cash
- Revenue quality
- Concentration
Financial diligence
- Working capital
- Balance-sheet review
- Debt-like items
- Transaction facts
Structuring
- Source-linked fields
- Standardized outputs
- PDF + structured data
Delivery
Deliver it the way your underwriting process needs it.
One Chief analysis, delivered as a lender-ready PDF and as structured data your systems can use.
Source data
CHIEF
Valuation + QoE intelligence
Structured fact
Revenue
$9.4M
One analysis, two outputs
PDF report
Lender-ready file for the credit memo
API / structured data
- NORMALIZED_EBITDA811,000
- VALUATION_CONCLUSION4,800,000
- QOE_ADJUSTMENT_STATUSSUPPORTED
Where the structured data can go
- LOS
- Data warehouse
- Portfolio view
- Credit workflow
- Relationship intelligence
Conceptual destinations. Chief doesn't claim named system integrations.
The structured data stays, so the analysis gets more useful over time.
Tap a document to trace a number back to where it came from.
Lender-ready Valuation and QoE reports.
Structured data / API
Normalized financials, supported adjustments, valuation conclusions, transaction facts and source references.
Example destinations: LOS · Underwriting engine · Data warehouse · Credit workflow. These are categories, not named integrations.
For API-first workflows
Financial analysis shouldn't end in a PDF.
Chief can deliver the same financial intelligence in structured form. Lenders can use it inside their existing underwriting workflow without an underwriter re-keying the report.
The lender still owns underwriting and the credit decision. Chief does the financial work earlier, structures it once and delivers it faster, so underwriters spend their time on credit judgment.
After approval
The same work becomes the underwriting baseline. Later it can support risk intelligence and relationship intelligence.
Where does your underwriting process wait?
Show us the current workflow. We'll identify where Valuation, Quality of Earnings and structured financial intelligence could move upstream.