One CSV — past, current and projected years, one issuer or a whole portfolio — becomes a sealed bankability diagnostic: the six-pillar VIU Bankability Score™, the VIU Peer Index™, lender metrics and committee-ready briefs. Same inputs, same result, every time.
The diagnostic is computed once. Each reader gets the reading that answers their question — the figures underneath never change.
CFADS, DSCR over the tenor, interest cover, LLCR, debt capacity at your target and a stress grid — sponsor case against the VIU base case.
Every issuer against the VIU Peer Index™ of the others in the same file: spread, band and rank, pillar by pillar.
Distance to the next zone and the pillar that moves the score most — the starting point of a bankability enhancement plan.
Start-ups and projects submit projections only and get a sponsor-case reading, clearly labelled as such.
One row per issuer per fiscal year, with a basis of past, current or projection. Download the template below.
The file is checked line by line; anything that cannot be scored is explained in plain words. Nothing is scored on guesses.
Portfolio, issuer, ratios, lender analysis, narrative and provenance — then an issuer brief, a portfolio brief, a deck or the sealed JSON.
Score, peer position, pillars, score path, ratios, lender summary and provenance on A4.
Every issuer against the VIU Peer Index™, the pillar map and the upload report.
Cover, pillars, key metrics, narrative and portfolio — ready to present.
The full diagnostic with input and result SHA-256 for your own systems and audit trail.
Every figure can be traced back to the line of the CSV it came from.
Fixed, versioned rules. The same file always gives the same score; the rules fingerprint is printed on every output.
The input file and each issuer's result are hashed (SHA-256). Any change to either changes the seal.
The file is deleted once scored. Your access key is never stored or displayed by this page.
Lines that are missing or not meaningful are shown as such and their weight is redistributed — never estimated silently.
Banks, development finance institutions, funds and advisory firms receive an institutional key for their team. Trials are available for committees evaluating the standard.
One row per issuer per fiscal year · basis column: past / current / projection · download the template