Chief

    How Chief Works

    Every deal becomes a living credit record.

    Chief runs the valuation and quality of earnings lenders need on the acquisition file. The analysis stays on as a living credit record. It shows what the business looked like the day the loan was made, and keeps showing what changed.

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    The living credit record

    Know what changed, why it may matter, and what to do next.

    A loan file usually stops moving after close. The analysis that justified the loan sits in a drawer while the business moves on. Chief keeps that analysis alive.

    The day the loan was made

    The valuation conclusion, the normalized earnings, the adjustments, the loan structure. Everything the credit decision rested on, written down and dated.

    What changed since

    The same business, checked against its record. Revenue, cash, working capital, headcount. The lender sees what moved and by how much.

    Why it may matter

    Small changes reach the banker as one focused message, not a dashboard. The banker decides what to do next.

    How it works

    Run the review. Keep the record. Watch the business.

    Chief surfaces information. The BDO or relationship manager owns the conversation, and credit decisions stay with the bank.

    1. Run the review

    Valuation and quality of earnings on the acquisition file, built to meet applicable SBA requirements. One analysis, delivered as a lender-ready PDF.

    2. Keep the record

    The analysis is preserved as the living credit record. It becomes the baseline every later comparison is measured against.

    3. Watch the business

    Catch problems early

    • Material changes
    • Exceptions to the baseline
    • Early signs of stress

    Find the next opportunity

    • Hiring and new locations
    • New deposits
    • Treasury needs
    • Equipment
    • Another acquisition

    Growth items are possible conversations, not product recommendations.

    Architecture

    One analysis, delivered the way the lender works.

    PDF and API are two ways to receive the same underlying analysis. They aren't two separate products.

    1. Inputs

      • Financial statements
      • Tax returns
      • General ledger
      • Transaction documents
      • Supporting evidence

    2. Chief analysis

      • Quality of Earnings
      • Valuation
      • Transaction analysis
      • Original underwriting baseline

    3. Delivery

      PDF reports

      and / or

      Structured data / API

    4. Lender workflow

      • Underwriting
      • Credit file
      • Portfolio intelligence
      • Relationship intelligence

    Structured from the start

    The PDF is the deliverable.
    The data is the asset.

    Chief turns acquisition documents into structured Valuation and Quality of Earnings intelligence, delivered as a lender-ready PDF, structured data, or API.

    Source data

    Layer

    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.

    Valuation + QoE
    Underwriting baseline
    Risk + relationship intelligence

    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.

    No integration required to start

    Start with the PDF workflow your team already uses. Connect structured data when and where it creates value.

    Start a File