Borrower Facts Check
Identity, ownership, management, operating footprint, legal history, adverse developments and material contradictions.
Division D · Credit & Borrower Intelligence
Verify the facts behind the credit exposure.
Independent research on borrowers, sponsors, guarantors and underlying businesses before reliance, and after closing when material facts may change.
Sponsor & Guarantor Review
Public evidence around principals, sponsors, related parties and relevant business history.
Credit Exposure Intelligence
Defined external evidence questions that sit alongside, not in place of, the lender's credit process.
Portfolio Borrower Watch
Monitor facts that could change the original reliance position after the initial review.
Boundary: Aperture verifies information. It does not issue regulated credit ratings or provide regulated lending advice unless separately authorised.
Start with one material credit question.
Send the borrower, the decision and the fact you need independently tested.
Discuss a credit matter