The Snapshot finds the questions. The Audit prepares the answers.
Scoped to your borrowing, refinance or review, the Audit takes the file from diagnosis to a case a credit committee can follow: the evidence, the adjustments, the funding story and the hard questions rehearsed.
What is likely to be challenged?
What do we do about it before the financing event?
Start from where the business is.
Not from a list of deliverables.
“I need the deeper diagnosis before I decide what to do.”
Every area rated with its evidence, the key measures worked through, the issues in the order to fix them, and a preliminary view of what the file supports.
Book the scoping call“A meaningful financing event is approaching and the file needs preparing.”
Everything in Essentials, plus the numbers restated as credit reads them, a sources-and-uses statement for your ask, and the credit memo a lender's analyst would otherwise write first.
Book the scoping call“The case is complex or material enough to need deal-grade preparation.”
Everything in Standard, plus fit against the lenders you have chosen, a cross-border pack where the business trades or is funded across borders, and a mock credit committee before the real one.
Book the scoping callAll prices are “from”: the exact fee is confirmed on the scoping call, before anything is signed. Document sets are cumulative; upgrading later, you only send the difference.
Three tests, in order. The first yes is your tier.
The scoping call confirms it, and adjusts the scope down as readily as up.
No to all three? The Audit is probably premature. Start with the £150 Credit Snapshot, and if the scoping call reaches the same conclusion, we will tell you.
Four steps. No surprises.
01 / Scoping call
Twenty minutes. Tier, scope and fee agreed, and a conflict check. If the Audit is not the right move yet, we say so.
02 / Engagement letter
Issued the same day. You sign, pay 50% and send the document set. The clock starts when both are in.
03 / The work
Your file read as a credit committee will read it: rated, evidenced and reconciled across every document.
04 / Handover
The written report, walked through on a findings call. The balance is due on delivery.
The detail, for those who want it.
You receive: a scored read against the five lenses (Strong, Adequate, Weak or Insufficient information) with the evidence behind each rating; key measures with the numbers shown, in plain words first: can cash cover repayments (DSCR), how geared the business is, debt against earnings (net debt to EBITDA), interest cover, short-term liquidity (current ratio) and EBITDA margin; red flags and inconsistencies across your documents; a prioritised action list; a preliminary view on the borrowing the file can support; one walkthrough call. Written report, 8–12 pages.
You provide: last two years' accounts · six months' bank statements · summary of existing borrowing · funding objective note · current-year management accounts · aged debtors and creditors · facility agreements · business plan, if one exists.
You receive, in addition: financial restatement and normalisation adjustments; a sources-and-uses statement for your specific ask; a committee-style credit memo summary; a document review call early on and a findings call at handover.
You provide, in addition: last four VAT returns · 12-month forecast or budget · detailed debtor book · group or ownership structure · director loans and related-party balances.
You receive, in addition: where the business operates or is funded across borders, including UK–Africa, a documentation pack covering counterparties, FX, group structure and compliance footprint; fit analysis against the lenders you have selected; a Committee Preparation Session testing whether you can answer, from the file, the questions a lender's credit function is likely to ask.
You provide, in addition: key customer and supplier contracts · cross-border flow and FX exposure summary where relevant · compliance documentation · the application requirements of each institution you intend to approach.
What the Audit deliberately is not.
Not arranging the finance. No brokerage and no negotiation of terms. The approach to lenders is yours, made from a file built to withstand it.
Not selecting your lenders. In Premium, lender-fit analysis is performed against institutions you have named.
Not a guarantee. The lender decides. The Audit changes what the file gives them to decide on.
Never both sides. Ziyon never acts for both sides of the same transaction. If a second engagement on the same deal arrives, we decline it, whichever came first.
Not regulated advice. Credit-readiness advisory and document preparation only, outside the FCA regulated perimeter.
Before you book.
Twenty minutes. Then the work begins.
Tier, scope and fee confirmed on the call; the engagement letter follows the same day.