What we do not do
The limits we have set ourselves.
What you can use today, from reading a file to the appraisal and the record you keep, stays inside these limits.
Someone at your institution who reviews the risk of a new supplier would draw up much the same list about us in a first round of due diligence, so we have written it ourselves. We keep to these limits because crossing any of them would make LitFin Intelligence unsafe to run alongside your own credit process. Where an item touches something we are building, it says so.
We mention what we do only where a refusal would not make sense without it.
The full list
We do not lend.
We put up no money and hold no share in any loan, so we gain or lose nothing by how it turns out. The risk stays with your institution.
No money moves through us.
We do not pay out loans, collect instalments or hold funds, and we give no payment system an instruction on anyone's behalf. There is no account in the middle.
Your institution makes the lending decision.
Your officers and your credit committee decide, and the decision is your institution's. Nothing we produce is an instruction or commits anyone to anything.
We send nothing to any credit bureau, registry, authority or regulator.
If a question has to go to the applicant or back to whoever sent the file, your officer sends it. We read the published sanctions lists and lists of politically exposed persons, and send nothing about your file or your borrower back to the bodies that publish them.
Nothing is written to a real credit record.
We add nothing to anyone's credit history. We produce a document that your institution receives, and what happens to it next is your institution's decision.
No score, grade, band or rating of a borrower
We give no score, grade, band or rating of a borrower anywhere, and nothing that does the same job in another form, such as a percentile, a letter, stars or a colour band. The one figure an appraisal carries about its own work says how much of the evidence the analysis is based on. It is a measure of our analysis and says nothing about the borrower.
We do not monitor your loan book, set provisions or send early warnings.
We review the files you send us as they stand when you send them. We do not set credit limits, run stress tests, calculate expected credit loss, assign credit-loss stages, size provisions or recommend write-offs. We work alongside the systems that do those things and replace none of them. We are building a way to follow a loan through the season after it is paid out; it is not live yet.
No one is rated, ranked or scored.
The record shows how a conclusion was reached on a file. It says nothing about how anyone is performing, and it carries no index, overall figure, rating or ranking of anybody. Where it counts what happened, the count is about the file.
We claim no certification we do not hold.
We hold no accreditation, audit badge or assurance standard, and we make no promise about uptime. No fund, development institution or standards body has accredited, partnered with or endorsed LitFin Intelligence. We do not measure carbon, rate a project's readiness or run anyone's accreditation process. We can appraise a file against a fund's published criteria, but we have no relationship with that fund.
We say when part of a file could not be read.
If we read only part of a file, the appraisal says so. We draw no conclusion across a gap and never quietly paper over one.
Every conclusion can be checked.
Your officers can question any part of an appraisal. When it is wrong, the working is there to find it in.
Files you send us
The documents below say where your files are kept, who can open them, for how long and on what legal basis.