Find out what credit is likely to question. Before the process starts.
An independent read of your actual documents, so you can see the material questions, understand what matters most and decide what to address before a funding conversation.
The lender can find a weakness.
Timing is the difference.
You can apply directly. But if a material question first emerges inside a refinance, acquisition or facility review, resolving it may take time you had already committed elsewhere.
A Snapshot brings that challenge forward. You can gather evidence, clarify the funding request or decide that more preparation is needed while the choice is still yours.
You are preparing to borrow, refinance or renew a facility, and surprises could disrupt the plan.
Cash, debt, a related-party balance or a recent decline needs an independent look.
You want a bounded professional judgement before committing to deeper preparation.
You may not need a Snapshot. Simple, low-value, non-urgent borrowing with a clear and consistent file may reasonably proceed without specialist analysis. If you already know the file needs substantial preparation, an Audit scoping call may be the better starting point.
Judgement.
Not just a score.
How the documents read from a credit perspective, with the assessment basis and limits stated.
The three most important issues, where present, ranked by their significance to your funding case.
A specific first priority, including where missing information prevents a reliable judgement.
Make the changes yourself, work with your existing advisers, or consider an Audit. If the case is ready, we will say so plainly.
Credit Snapshot
Assessment: Ready with Conditions
Basis: Mainstream bank standards
01 / Can cash cover the repayments?
Illustrative debt-service cover is 1.18× against this example facility's 1.30× covenant. Test the cash assumptions and the exact facility definition.
02 / What if the largest customer leaves?
One customer represents 41% of revenue. The funding story does not explain the relationship or its durability.
03 / Why do the records disagree?
Management accounts and VAT returns show different Q3 turnover. The difference has not been reconciled.
First priority
Reconcile the turnover figures and document the explanation before submission.
The documents behind the funding story.
The review needs the evidence behind your answers. We confirm the proportionate document set before work begins, and explain any limits if information is unavailable.
Last two years' accounts and latest management accounts, where available.
A summary of debt, repayments, facilities and upcoming review or maturity dates.
Purpose, amount, timing and the cash-flow forecast or budget supporting it, if prepared.
Bank statements, debtor and creditor ageing and facility terms to test material questions. Agree the scope before sending confidential documents.
A small engagement. A defined answer.
01 / Request
Tell us the business, the event and the timing.
02 / Confirm
Within one business day: a conflict check, the scope, document instructions and a payment link.
03 / Review
Ziyon reads the evidence independently.
04 / Receive
Your two-page Snapshot within five business days of payment and the required documents.
Commission a Credit Readiness Audit within 90 days of Snapshot delivery and the £150 is credited in full. An Audit is an option, not an obligation.
Plain answers.
A disciplined credit read.
The five lenses organise the analysis. They do not replace judgement or a lender's own policy.
Before you commission.
Tell us the business, the event and the timing.
Within one business day we confirm there is no conflict, the scope and the documents we need, and send a secure payment link. Review begins once payment and documents are in.
Not sure yet? Try the free Funding Preflight or book a 30-minute call.
Received.
Your confirmation, document list and payment link will be with you within one business day.