5 min read
Financial spreading software: can you defend the numbers?
Evaluate financial spreading software with tests for source accuracy, entity mapping, adjustments and changed statements before numbers reach a credit decision.
FINKI Insights
The work behind
the financing.
Practical perspectives on preparing deals, using AI responsibly and keeping capital moving.
Project finance guides
5 min read
Private credit portfolio monitoring: which number needs action?
Build a private credit monitoring view that separates lender exposure, undrawn commitments and stale data, with clear owners for the exceptions that need action.
5 min read
Payment approval workflows: send the right exceptions to lenders
Design a payment approval workflow that distinguishes routine payments from lender exceptions, checks current evidence and prevents stale approvals being reused.
5 min read
Loan servicing software: prove where every receipt went
Test loan servicing software with partial payments, reversals and overpayments. Follow each receipt through obligations, lender balances and statements.
3 min read
Project finance: From the first review to repayment
Understand the work behind project finance: evidence, cash flow, lender review, closing conditions and the controls needed after funding.
3 min read
Is your project ready for a lender? An evidence checklist
Build a financing package that connects material claims to documents, owners and open questions without exposing private information.
3 min read
How to calculate DSCR without missing a cash shortfall
Calculate debt service coverage with transparent examples, then check the timing and contractual assumptions the ratio cannot answer.
2 min read
Financing German energy networks: The evidence lenders need
Connect construction, revenue assumptions and financing conditions when preparing German heat and electricity network investments.
2 min read
Project finance software: What credit teams should test
Evaluate project finance software through a complete workflow, including evidence changes, approvals, payment status and bank-system boundaries.
3 min read
Joining a larger financing: A guide for participating banks
Clarify your bank's role, evidence needs, private review and ongoing position before joining a larger project financing.
3 min read
AI credit analysis needs evidence before confidence
How credit AI should connect sources, sector context, reproducible calculations and human authority, including controlled learning.
3 min read
A project finance software evaluation checklist for lenders
Test sources, access, changes, payment handling and operational effort before choosing software for a bank or credit fund.
What makes a financing package lender-ready?
A practical guide to preparing a lender-ready financing package: reconcile the ask, document repayment, track evidence and manage changes during review.
Read articleMore perspectives
Deal, agent and capital operations
How to use AI in financing review without losing control
Use AI to prepare financing reviews with source citations, bounded access and human approvals. A practical evaluation checklist for lender and legal teams.
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Payment approval is not settlement
Understand the difference between payment approval, provider submission and settlement, and how to reconcile fees, returns and repayments without double counting.
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Tokenised credit: what to settle before issuing a token
Before tokenising credit, define investor rights, transfer eligibility, settlement assets and servicing. A practical checklist for structuring the operating model.
Read articleBring your workflow.