Chief

    How Chief Works

    Every deal becomes a living credit record.

    Chief analyzes the businesses around each borrower for opportunities, using a proprietary valuation model and the bank's own underwriting data. The analysis becomes a living record that shows what the business looked like the day the loan was made, and how it's changed along the way.

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    OUTSIDE-IN INTELLIGENCE + BANK-SPECIFIC DATA

    A business development model that learns from the bank's own history.

    Chief starts with financial modeling, industry multiples and market intelligence. 
    We turn the bank's institutional knowledge into business development and underwriting opportunities.

    Bank intelligence

    Secure

    Our engine uses real transaction data and your own institutional knowledge to supercharge business development. 

    Private business valuation

    Financial modelingIndustry multiplesMarket intelligence

    The bank's own history

    • Existing loan portfolio
    • Historical lending activity
    • Borrower financials
    • Verified business valuations
    • Actual transaction outcomes

    ESTIMATED BUSINESS VALUE

    $4.8M

    Outside-in forecast$3.6MWith the bank's history$4.8M

    $3.5M$4.5M$5.5M

    Financing this bank typically issues in manufacturing

    SBA 7(a) acquisition loan

    Original loan on the deal

    Equipment financing

    Opportunity: capacity expansion

    Working capital line

    Opportunity: seasonal inventory

    SBA 504 real estate loan

    Opportunity: facility purchase

    Structured from the start

    Valuation and QoE reports as PDF, customized to bank workflows.

    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

    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
    Valuation + QoE
    Underwriting baseline
    Risk + relationship intelligence

    Tap a document to trace a number back to where it came from.

    Architecture

    One analysis, delivered the way the lender works.

    QoE then valuation, all under one roof. 
    Receive reports as PDF, API, or customized to your workflow.

    When the analysis runs

    1. Step 1

      Loan is made

      The relationship and record start from the bank's own data.

    2. Step 2

      Years of servicing

      Outside-in and bank signals surface opportunities. No QoE or valuation yet.

    3. Step 3

      Borrower needs an acquisition loan

      A new deal creates the need for independent analysis.

    4. Step 4

      QoE and valuation run

      The analysis below is ordered, then preserved as the living record.

    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

    How it works

    Turn annual reviews into quarterly business development and servicing opportunities.

    1. ORDER A QUALITY OF EARNINGS AND/OR VALUATION

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

    2. BRING THE RECORD TO LIFE

    The analysis is preserved as the living credit record and becomes the baseline for annual review. BDOs can initiate the record in conversation with the borrower as a Quickbooks or Plaid sync, or an automated data room.

    3. MONITOR 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
    See a sample living credit record

    Start a File