Q Compliance · Independent risk-auditing & underwriting verification
Between pitch-deck optimism and underwriting reality.
Q Compliance is an actuarial data verification, risk-auditing and credit underwriting engine. It stress-tests business plans against how accurate comparable forecasts have proved historically — so founders, lenders and investors work from the same evidence.
16 years
Historical accuracy audit
1.35x
Minimum stressed DSCR
30 days
Certificate validity
Positioning
A verification engine — not a lender, not a rating agency.
Q Compliance does not lend, does not arrange finance and does not issue credit ratings. It verifies the claims a business makes about its market and its numbers, and shows what those numbers look like once history and current credit conditions are applied.
The result is a record lenders, credit funds and investors can rely on for what it is: an independent, reproducible analysis of the plan in front of them.
Deliverables
A dual-tier structure.
Tier 1 · Public
Q Compliance Certificate
A beneficiary-locked verification record tied to a specific institutional underwriter or account ID. It carries a strict 30-day validity window, after which it must be refreshed against the latest macro pulse.
Tier 2 · Sealed · AQ-NDA-REG
Institutional Audit Annex
The deep-dive compliance and risk dossier, released only to authorised commercial banks, credit funds and regulators under a strict non-disclosure agreement.
The proprietary engine
Three pillars.
01 · Wᵢ · Aᵢ / Fᵢ
16-year historical accuracy audit
Market claims and forecasts are cross-referenced against historical prediction-error cohorts: what comparable forecasts said, against what actually happened, weighted by relevance.
02 · α
Undertaker's accuracy tolerance
Configurable precision tiers matched to the capital structure:
- Lenient / Directional — lean saas and agency outreach
- Balanced — standard venture planning
- Strict / Precision — high-capex credit and debt underwriting
03 · β
Live 48–72 hour macro & credit pulse
Baseline projections adjust to central bank credit conditions, gilt yields and sector liquidity — for example β = 0.82 in a tight credit cycle.
Access model
Eight roles. Explicit authority.
| Role | Scope | Assessments | Administration | Audit |
|---|---|---|---|---|
| Platform Superadmin | All tenants | Full | Full | Full |
| Organisation Administrator | Own organisation | Full | Organisation | Read |
| Compliance Officer | Authorised workflows | Create & update | — | Read |
| Underwriter | Permitted underwriting | Create & update | — | Read |
| Risk Analyst | Risk analysis | Read | — | Read |
| Reviewer | Assigned scope | Review | — | Read |
| Auditor | Audit records | Read only | — | Full read |
| Standard User | Assigned functions | Assigned | — | Own actions |
Trust & transparency
The legal and regulatory perimeter.
Regulatory status
AnswerQuay Limited provides Q Compliance as a business-to-business software, data verification and risk-auditing service. AnswerQuay Limited is not authorised or regulated by the Financial Conduct Authority or the Central Bank of Ireland, is not a lender or credit provider, and is not a credit rating agency. Q Compliance outputs are analytical records for institutional decision-makers, not regulated advice, credit ratings or offers of finance.
Limitation of liability
Q Compliance Certificates and Sealed Institutional Audit Annexes record an analysis of the information supplied, tested against historical data and the macro conditions applied at the date of issue. They are not a guarantee, forecast or warranty of the future solvency, performance or creditworthiness of any business, and must not be relied on as the sole basis for any lending, investment or credit decision. AnswerQuay Limited stands behind the integrity of its historical data processing and its handling of director and UBO declarations as received, but accepts no liability for commercial outcomes, for decisions taken by any lender, investor or regulator, or for inaccurate information supplied by an applicant. Nothing in this notice limits liability that cannot be limited by law.
Put your plan through the stress test.
Submit a business plan, or sign in as an authorised underwriter.