The Credit Snapshot · £150

What is actually holding your file back?

A written, committee-style verdict on your file, fixed at two pages. The same read a credit analyst would produce — delivered to you instead of to a lender. Five business days from documents in.

Commission a Snapshot Take the free 2-min check

Credited in full against a Credit Readiness Audit commissioned within 90 days.

What you receive

Two pages, and nothing padded to fill them.

  • A readiness verdict on the Ziyon Credit Readiness Scale, against a stated basis of assessment
  • The five-lens read — how a credit team reads you today, one paragraph per lens
  • The three most material gaps, ranked by impact
  • The one thing to fix first, named plainly
  • A recommended next step for your funding approach
The Ziyon Credit Readiness Scale
Lender-Ready Ready with Conditions Not Yet Ready Significant Remediation Required

The verdict is Ziyon's, on Ziyon's scale, and every one states the basis it was assessed against: mainstream bank standards, or specialist and non-bank standards, as you direct. Where no target lender type is named, mainstream bank standards apply and the Snapshot states that the default was applied. The same file can sit at different levels on different bases, which is why the basis is stated rather than assumed.

And if you are already lender-ready, we will tell you. Plainly.

Commission a Snapshot
£150
Five business
days
Received

Your booking confirmation and payment link will be with you within one business day. Review begins once payment and your documents are in — the written Snapshot follows within five business days.

Commission a Credit Readiness Audit within 90 days and the £150 is credited in full against that engagement.

Not sure yet? Take the free 2-min check →
A specimen

What the finished document looks like, in the language the decision is made in.

Figures illustrative. Every real Snapshot states the basis it was assessed against and shows the workings behind each gap.

Specimen
Credit Snapshot 2 pp.
Readiness verdict Ready with Conditions Basis: mainstream bank standards
Three material gaps, ranked
01DSCR of 1.18x against a 1.30x covenant floor
02Top customer at 41% of revenue, undisclosed in the plan
03Management accounts and VAT returns disagree on Q3 turnover
Fix first Reconcile the accounts before the file is seen. Nothing else survives that inconsistency.
After the Snapshot

Where it leads, and what it does not pretend to be.

If the file is close

A short remediation list, and you run it yourself.

Some files need three corrections and a covering explanation. Where that is the case, the Snapshot says so and there is nothing further to buy.

See how files are read →
If the file needs work

The Audit takes it from diagnosis to a file a committee can read.

Normalisation, a sources-and-uses statement built for your ask, and a committee-style memo. The £150 is credited in full within 90 days.

See the three tiers →
What it is not

Not a lender introduction, and not a borrowing figure.

Ziyon does not arrange finance or recommend lenders, and a borrowing figure offered without analysis is a guess. The Audit gives a preliminary view on what the file supports, with the workings shown.

Straight answers →