Q Compliance · AnswerQuay Underwriting Confidence Index
Where the pitch deck meets the underwriting file.
Q Compliance stress-tests business plans against sixteen years of historical forecasting accuracy and live credit conditions, then issues a verification record lenders can rely on for its stated scope.
Proposed rating tiers · indicative
Claims verified against history with headroom above the stressed covenant.
Bankable after the stress haircut, with a narrower buffer.
Lending only with additional covenants or structure.
Jurisdiction
You are viewing Irish operations.
Switch between Irish and UK operations. Identity, ownership and credit checks follow the registry for your jurisdiction.
- Company registry
- Companies Registration Office — CRO number
- Beneficial ownership
- Register of Beneficial Ownership (RBO) — UBOs holding 25% or more
- Credit evidence
- Central Credit Register borrower report attestation
The engine
Three variables, applied to every plan.
01 · Wᵢ · Aᵢ / Fᵢ
16-year historical accuracy audit
Each market claim and forecast is weighted against how accurate comparable forecasts proved to be — actual outcomes over forecasts across historical prediction-error cohorts.
02 · α
Undertaker precision tier
- Lenient / Directional: 60/20/20 direction/magnitude/timing
- Balanced: 35/35/30 direction/magnitude/timing
- Strict / Precision: 15/45/40 direction/magnitude/timing
03 · β
48–72 hour macro & credit pulse
Baseline projections are adjusted for central bank credit conditions, gilt yields and sector liquidity. In a tight credit cycle, β might sit at 0.82.
Deliverables
Two outputs, two audiences.
Public
Q Compliance Certificate
A verification record locked to a named institutional underwriter or account ID. Valid for 30 days, then refreshed against the latest macro pulse.
Sealed · AQ-NDA-REG
Institutional Audit Annex
The full compliance and risk dossier, released only to authorised banks, credit funds and regulators under a non-disclosure agreement.
Underwriter sign-in →Every plan must clear a stressed debt service coverage ratio of at least 1.35x to be treated as bankable.