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.
| Role | Scope | Assessments | Administration | Audit |
|---|---|---|---|---|
| Platform Superadmin | All tenants | Full | Full | Full |
| Organisation Administrator | Own organisation | Full | Organisation | Read |
| Compliance Officer | Authorised workflows | Create & update | — | Read |
| Underwriter | Permitted underwriting | Create & update | — | Read |
| Risk Analyst | Risk analysis | Read | — | Read |
| Reviewer | Assigned scope | Review | — | Read |
| Auditor | Audit records | Read only | — | Full read |
| Standard User | Assigned functions | Assigned | — | 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.