Q Compliance™ · Institutional risk intelligence

Confidence begins with better intelligence.

Q Compliance brings structured compliance assessment, risk intelligence and credit underwriting workflows into a unified technology environment. Designed to support organisations that require consistency, traceability, structured evidence and more informed decision-making.

16 years

Historical accuracy audit

1.35x

Minimum stressed DSCR

30 days

Certificate validity

Positioning

A verification engine — not a lender, not a rating agency.

Q Compliance does not lend, does not arrange finance and does not issue credit ratings. It verifies the claims a business makes about its market and its numbers, and shows what those numbers look like once history and current credit conditions are applied.

The result is a record lenders, credit funds and investors can rely on for what it is: an independent, reproducible analysis of the plan in front of them — with human oversight, explainability and final decision responsibility resting with the reviewing institution.

Capabilities

Structured assessment, end to end.

Compliance assessment

Structured assessment workflows that apply documented evaluation criteria consistently across every submission.

Risk evaluation

Risk indicators surfaced with their supporting evidence, so reviewers see why a flag exists — not just that it does.

Credit underwriting workflows

Organised intake-to-decision paths for business-plan and facility requests, with human review built in.

Evidence & document analysis

Authorised supporting documents analysed and referenced against the claims they are meant to verify.

Structured information gathering

Defined intake schemas per assessment type — corporate identity, market claims, unit economics and facility requirements.

Risk classification

Precision-tiered classification matched to the capital structure, from conservative to balanced tolerance.

Assessment traceability

Every input, calculation and review step preserved, so an assessment can be reconstructed long after the fact.

Decision-support reporting

Clear outputs for committees and reviewers — evidence-oriented, reproducible and scoped to the decision at hand.

Human review & approval

Model outputs, reviewer findings and final decisions are recorded separately. No unapproved automated adverse decisions.

Audit & governance

Role-based access, tenant isolation and audit records designed for institutional scrutiny.

Deliverables

A dual-tier structure.

Tier 1 · Public

Q Compliance Certificate

A beneficiary-locked verification record tied to a specific institutional underwriter or account ID. It carries a strict 30-day validity window, after which it must be refreshed against the latest macro pulse.

Tier 2 · Sealed · AQ-NDA-REG

Institutional Audit Annex

The deep-dive compliance and risk dossier, released only to authorised commercial banks, credit funds and regulators under a strict non-disclosure agreement.

The proprietary engine

Three pillars.

01 · Wᵢ · Aᵢ / Fᵢ

16-year historical accuracy audit

Market claims and forecasts are cross-referenced against historical prediction-error cohorts: what comparable forecasts said, against what actually happened, weighted by relevance.

02 · α

Undertaker's accuracy tolerance

Configurable precision tiers matched to the capital structure:

  • Lenient / Directional — lean saas and agency outreach
  • Balanced — standard venture planning
  • Strict / Precision — high-capex credit and debt underwriting

03 · β

Live 48–72 hour macro & credit pulse

Baseline projections adjust to central bank credit conditions, gilt yields and sector liquidity — for example β = 0.82 in a tight credit cycle.

Access model

Eight roles. Explicit authority.

RoleScopeAssessmentsAdministrationAudit
Platform SuperadminAll tenantsFullFullFull
Organisation AdministratorOwn organisationFullOrganisationRead
Compliance OfficerAuthorised workflowsCreate & update—Read
UnderwriterPermitted underwritingCreate & update—Read
Risk AnalystRisk analysisRead—Read
ReviewerAssigned scopeReview—Read
AuditorAudit recordsRead only—Full read
Standard UserAssigned functionsAssigned—Own actions

Regulatory perimeter

Designed for Ireland and the UK — without overclaiming.

Ireland

Designed with the Central Bank of Ireland, Data Protection Commission, Central Credit Register (where applicable), GDPR and Irish financial services legislation in view.

United Kingdom

Designed with the Financial Conduct Authority (where applicable), the Information Commissioner's Office, UK GDPR, the Data Protection Act 2018 and applicable consumer credit requirements in view.

Q Compliance is software, not a regulated financial activity. It is not approved, endorsed or certified by any authority named above, and it does not replace the regulated judgment of the institutions that use it. Applicable EU AI Act obligations are assessed against the actual system classification, intended use and deployment arrangements.

Trust & transparency

The legal and regulatory perimeter.

Regulatory status

AnswerQuay Limited provides Q Compliance as a business-to-business software, data verification and risk-auditing service. AnswerQuay Limited is not authorised or regulated by the Financial Conduct Authority or the Central Bank of Ireland, is not a lender or credit provider, and is not a credit rating agency. Q Compliance outputs are analytical records for institutional decision-makers, not regulated advice, credit ratings or offers of finance.

Limitation of liability

Q Compliance Certificates and Sealed Institutional Audit Annexes record an analysis of the information supplied, tested against historical data and the macro conditions applied at the date of issue. They are not a guarantee, forecast or warranty of the future solvency, performance or creditworthiness of any business, and must not be relied on as the sole basis for any lending, investment or credit decision. AnswerQuay Limited stands behind the integrity of its historical data processing and its handling of director and UBO declarations as received, but accepts no liability for commercial outcomes, for decisions taken by any lender, investor or regulator, or for inaccurate information supplied by an applicant. Nothing in this notice limits liability that cannot be limited by law.

Put your plan through the stress test.

Submit a business plan, or sign in as an authorised underwriter.