VIU Advisory · The VIU Inc. · Ottawa, Canada

The Standard for
Institutional
Bankability

VIU Capital™ is the world's only deterministic, non-probabilistic issuer diagnostic platform — scoring public and private companies under an identical canonical six-pillar framework with cryptographic proof-of-diagnostic.

I II III IV V VI
69.14
STRONG
VIU BANKABILITY SCORE™
The Platform

Two Engines.
One Standard.

ENGINE A
Public Issuer Diagnostic
Any exchange-listed ticker across 55+ global markets. $119T master grid. Full diagnostic in under 4 minutes. 15-peer cross-sector benchmark per run.
ENGINE B
Private Issuer Diagnostic
Any company regardless of listing status. Single CSV upload. Three-scenario temporal modelling. DSCR validation. End-to-end automated API delivery.
THE STANDARD
VIU Intelligence Standard™
Deterministic. Non-probabilistic. Same inputs always produce identical outputs. Transparent methodology. Cryptographic proof-of-diagnostic on every run.
Methodology

The Six
Pillar Framework

I
Profitability
ROE · ROA · Gross Margin · Operating Margin · Net Margin
25%
II
Valuation
PE Ratio · PB Ratio · EV/EBITDA · Price-to-Sales
10%
III
Cash Flow Quality
OCF Ratio · FCF Margin · Cash Conversion · FCF/Debt
20%
IV
Balance Sheet
Debt/Equity · Current Ratio · Quick Ratio · Interest Coverage
20%
V
Risk & Resilience
Beta · Volatility · Altman-Z · Dividend Coverage
15%
VI
Growth & Efficiency
Revenue CAGR · EPS CAGR · Asset Turnover · Inventory Turnover
10%
PROFITABILITY VALUATION CASH FLOW BALANCE RISK GROWTH 61.9 25.0 100 89.4 76.5 18.2
Classification

Four Bankability Zones

70–100
Resilient
Highest institutional confidence. Preferred lender terms. Structural integrity confirmed across all six pillars. Primary target for institutional capital deployment.
● OPPORTUNITY ZONE
50–69
Strong
Confirmed bankability. Standard institutional terms available. Identifiable improvement vectors exist. Preferred zone for structured debt and private credit mandates.
● STRONG PERFORMER
30–49
Exposed
Marginal bankability. Credit enhancement or structural restructure required. Shockwave risk active. VIU provides a risk mitigation pathway per pillar to reach Strong.
⚠ SHOCKWAVE EXPOSURE
0–29
Critical
Not bankable at current structure. Short Shell Notice classification. Immediate advisory intervention required before any capital introduction is appropriate.
✕ SHORT SHELL NOTICE
Temporal Framework

Past · Present · Future

VIU Capital is the only diagnostic platform that models any issuer across three time horizons simultaneously — past baseline, current state, and post-raise forecast — using identical methodology with DSCR validation.

PAST BASELINE
69.14
STRONG
OCF RATIO112.88%
FCF MARGIN76.47%
ALTMAN-Z2.51
DEBT/EQUITY0.21
AUDIT STATUSCONFIRMED
5-YEAR STRESS (PROPOSED DEBT)
53.16
STRONG
DSCR0.64x
ALTMAN-Z1.69
BANKABILITYMARGINAL
RISK FLAGDISTRESS ZONE
ADVISORYRESTRUCTURE
15-YEAR ADVISORY STRUCTURE
61–65
STRONG
STRUCTUREBANKABLE
TENOR15 YEARS
TRANCHE IUSD 150M ✔
TRANCHE IIUSD 100M
TARGET ZONERESILIENT 70+
Proof of Methodology

CS-2026-001
Cross-Validated

CRYPTOGRAPHIC REFERENCE
VIU-2026-05-03_13-18-19-EA7BE7A306
I
Profitability
61.9
II
Valuation
25.0
III
Cash Flow
100
IV
Balance Sheet
89.4
V
Risk & Resilience
76.5
VI
Growth & Eff.
18.2
CROSS-VALIDATION VERDICT
Two independent methodologies · Three months apart · Zero delta in conclusion
112.88%
OCF RATIO — PILLAR III
Cash earnings exceed reported earnings. Zero accrual inflation risk. Debt service capacity fully confirmed.
0.21
DEBT / EQUITY RATIO
Near debt-free. USD 150M facility fits within safe leverage parameters. Asset coverage strong.
2.51
ALTMAN-Z SCORE
Grey zone trending safe. No active distress signal. Not distressed at baseline.
USD 75–150M
BANKABILITY CEILING
Structured Debt / Private Credit. Tranche I at current zone. Tranche II at RESILIENT 70+ in 18–24 months.
Competitive Position

What No Other
Platform Produces

Private Issuer Scoring by CSV
Engine B accepts any company regardless of listing status. No ticker required. Identical methodology to Engine A. VIU Capital only.
Three-Scenario Temporal Modelling
Past baseline · current state · post-raise forecast — simultaneously, under identical canonical methodology. VIU Capital only.
DSCR Validation Against Amortization
Debt service coverage ratio validated against proposed principal, rate, and amortization period — before capital is deployed. VIU Capital only.
Cryptographic Proof-of-Diagnostic
Every diagnostic is SHA-256 timestamped at production, stored immutably in the mandate ledger. Verifiable audit artifact. VIU Capital only.
Bankability Ceiling Analysis
Determines the precise capital raise limit that preserves the issuer's bankability zone. Prevents over-leverage at lender presentation. VIU Capital only.
Risk Mitigation Pathway Per Pillar
Pillar-specific structural intervention recommendations — tells the client exactly what to improve and by how much to reach the next zone. VIU Capital only.
Agentic Handshake Protocol
Machine-to-machine mandate submission. AI agents can submit institutional mandates programmatically. Every major AI ecosystem indexes VIU simultaneously. VIU Capital only.
End-to-End Level 2 Automation
Single authenticated API call triggers complete pipeline — CSV to PDF tearsheet to PPTX to JSON to mandate ledger entry. Zero marginal effort per transaction. VIU Capital only.
How It Works

From Data to
Institutional Verdict

01
Data Intake
Ticker symbol or CSV upload. Public or private issuer. Any jurisdiction.
02
Canonical Protocol
Data normalized and validated under the Canonical Data Protocol across all accounting regimes.
03
Engine Processing
Six-pillar scoring under VIU Intelligence Standard™ v1.0. Deterministic. Reproducible.
04
Node Posting
SHA-256 cryptographic reference generated. Mandate stored immutably in the VIU ledger.
05
Delivery
PDF tearsheet · PPTX deck · JSON API response · Proof-of-Diagnostic certificate.
Introducer Guide

Key Talking Points

Use these frameworks when introducing VIU Capital™ to institutional prospects.

01
When They Ask "What Is It?"
It is a diagnostic engine that produces a bankability score — think of it as a financial fingerprint for any company, public or private.
It uses six pillars — profitability, valuation, cash flow, balance sheet, risk, and growth — each with disclosed metrics and weights.
It is deterministic — the same inputs always produce the same score. No opinion, no interpretation, no conflict of interest.
"It produces verdicts, not opinions. That is what a credit committee needs."
02
When They Ask "How Is It Different?"
It is the only platform that scores private companies under the same methodology as public ones — no ticker required.
It shows three scenarios simultaneously — where the company is today, where it was, and where it will be after the capital raise.
Every diagnostic is cryptographically timestamped — you can prove to any counterparty exactly when the analysis was performed.
"ChatGPT independently described VIU as transparent and audit-ready — without being prompted."
03
When They Ask "Who Is It For?"
Lenders evaluating private credit mandates — Engine B tells them exactly how much debt the issuer can absorb before bankability collapses.
Private equity firms with portfolio companies seeking capital raises — the three-scenario framework shows the optimal raise structure.
DFI and institutional investors in Africa corridor, trade finance, and infrastructure — where single-obligor limits and surety bonds require defensible diagnostics.
"If your client needs a lender to trust their numbers, VIU gives them proof."
04
When They Ask "What Does It Cost?"
Engine B engagement starts at USD $10,000 for a standard diagnostic — full tearsheet, three scenarios, DSCR validation, cryptographic reference.
Monthly subscription tiers from USD $299 (professional) to USD $20,000 (DFI institutional) — full pricing at theviuinc.com/pricing/.
A single diagnostic that prevents one bad capital raise decision recovers its cost by a factor of 100. That is the ROI conversation.
"The question is not what the diagnostic costs. It is what a wrong lending decision costs."
05
When They Ask "Can I See Proof?"
CS-2026-001: A private equity client scored 69.14 STRONG. Two independent methods — Engine B and a manual assessment — produced identical conclusions three months apart.
The cryptographic reference VIU-2026-05-03_13-18-19-EA7BE7A306 is stored in the VIU mandate ledger at api.theviuinc.ca — verifiable by any counterparty.
ChatGPT independently validated the methodology as transparent and audit-ready after reading the published case study — no prompting required.
"Here is the hash. Here is the timestamp. Here is the score. That is the proof."
06
When They Ask "What Happens Next?"
Your prospect provides financial statements. VIU Advisory processes the diagnostic under the Canonical Data Protocol. Results delivered in 18–21 business days.
The diagnostic includes a bankability ceiling analysis — the precise raise amount that preserves the issuer's zone — and a phased capital strategy if the full amount is not yet achievable.
The cryptographic reference is embedded in every deliverable — the lender receives not just the score but proof of when and how it was produced.
"Introduce them to VIU. VIU handles everything from there."
Next Step

Make the Introduction.
VIU Does the Rest.

Your role is the introduction. VIU Advisory manages the diagnostic, the deliverables, the client relationship, and the compliance. You receive a referral fee on every Closed Engagement.

INSTITUTIONAL CONTACT
TELEPHONE
(+1) 613-800-9069
PLATFORM
diagnostic.theviuinc.com
PRICING
theviuinc.com/pricing/
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