Operator Intelligence Engine · OIE

The credit committee will
challenge every assumption
in your deal.
We challenge them first.

Most developers find out what breaks in their deal when a lender tells them. By then, months have passed, costs have moved, and you are negotiating from a position you did not plan for. BRIKS stress-tests your deal before it crosses a lender's desk, so you already know the answers before you hear the questions.

Truth Over Comfort
Rigour That Stands Up
Clarity Before Capital
Before You Commit

Every developer believes their deal works. The question is what happens when someone built to disagree sits down with your numbers.

A Deal Intelligence Report ends with one of three verdicts. Not a risk summary. Not a consultant's recommendations. A verdict. The same conclusion a credit committee would reach - delivered to you before you walk into the room, not while you are sitting in it.

Go

Your deal holds under independent challenge. Now you can prove it.

The assumptions have been tested. The covenants clear under stress. You stop hoping the numbers hold and start presenting evidence that they do.

No-Go

What you discover may not be what you expected. That is the point.

The report identifies exactly where the deal stops working -- the occupancy floor, the cost ceiling, the financing gap. You find that out here, not across a lender's desk.

Conditional

The most common verdict. Your deal holds -- but not as currently structured.

The report tells you exactly what needs to change -- and nothing more. You fix the right things on your timeline, not under pressure at a lender's table.

US$3,000
The smallest professional fee in your entire deal budget. Less than your legal review. Less than your surveyor. Less than a single week of construction delay.
vs.
Hundreds of thousands committed to a deal whose assumptions have never been challenged by someone who thinks the way a credit committee does. That gap is where deals die quietly.
One question.
At what point does it make sense to spend $3,000 to find out whether the assumptions holding it together actually hold? The answer is before you commit the rest.

It is not due diligence. It is not a formality.
It is the cheapest protection you can buy before committing capital.

Developers who find out what breaks here spend $3,000. Developers who find out at a lender's table spend significantly more -- in time, in money, and in credibility they cannot bill back.

Submit Your Deal →
Live Sample · Deal Intelligence Report

See the intelligence before you commit capital.

This is what a Deal Intelligence Report verdict looks like. Every report is built to the same standard, the one a credit committee applies when your submission lands on their desk.

Deal Intelligence Report · OIE-2024-047
Sea View Residences
Seven Mile Beach, Cayman Islands  ·  Residential Condominium  ·  24 Units
OIE Verdict
Conditional Pass
Projected IRR
0 %
Above hurdle rate
Loan-to-Value
0 %
At lender threshold
DSCR
0 x
Min 1.25x required
Exit Cap Rate
0 %
Market: 5.8–7.2%
Stress Scenario · 25% Revenue Decline
DSCR drops to 1.08x   Caution
Failure Mode Identified · Absorption Risk
Pre-sale threshold not met   Flag
$ 0 B+
Deal Value Reviewed
0 +
Years Credit Experience
0
Failure Modes Per Report
0 hr
Report Turnaround
How It Works

From submission to verdict in 48 hours.

Three steps. One output. A deal that is ready for the room where capital decisions are made - before you walk into it.

01
Submit

You tell us about your deal

Share your deal details through a structured intake. No jargon, no unnecessary back-and-forth -- just the inputs the stress-test runs on.

  • Project summary and capital structure
  • Revenue and cost assumptions
  • Financing terms and lender requirements
  • Exit strategy and timeline
Takes 10–15 minutes
02
Stress-Test

We challenge every assumption the way a lender will.

Every input gets tested across three scenarios: base case, stress case, and bear case. The gaps get identified on our report -- not at a lender's desk.

  • Five failure modes
  • DSCR and LTV covenant testing
  • Revenue and absorption stress scenarios
  • Sensitivity tables across key variables
OIE Analysis · 48hr Turnaround
03
Verdict

You receive a report built for the room.

The Deal Intelligence Report delivers a clear verdict -- Go, No-Go, or Conditional -- with the rationale behind it, the identified risks, the recommended conditions, and an investment committee-ready summary memo. You walk into any lender conversation already knowing what they are going to challenge and what your answer is.

  • Deal verdict with clear rationale
  • Identified risks and mitigants
  • IC-ready summary memo
  • Recommended deal conditions or restructure
Delivered via Secure Portal
What You Receive

Built for the room where capital decisions are made.

Three levels of intelligence. One standard of rigour - the kind that holds when a lender applies pressure.

◆ ◆ ◆ Tier 01 · Core Product

Deal Intelligence Report

A full stress-test of your deal delivered in 48 hours. Five failure modes, three scenarios, and a clear verdict -- with an IC-ready summary memo you can take directly into a lender conversation.

Five Failure Modes DSCR & LTV Testing IC-Ready Verdict 48hr Turnaround
Flat fee US$3,000
Submit Your Deal →
◆ ◆ ◆ Tier 02 · Capital Raise Preparation

Investment Committee Underwrite

You have a deal and you need to raise capital. Any deal size - a duplex, eight units, or forty. BRIKS reviews your assumptions, challenges them the way a credit committee will, and packages everything into a submission-ready document that goes directly to your lender or equity partner. We review, we identify what needs to change, and we build the pack. You walk in with professional, lender-ready documentation instead of a spreadsheet and a hope.

Full IC Memo Lender-Ready Submission Capital Stack Analysis Comparable Transactions
Scoped on engagement - enquire to discuss
Enquire →
◆ ◆ ◆ Tier 03 · Ongoing Advisory

Portfolio Intelligence

For active developers running multiple deals simultaneously who cannot afford to be caught off-guard by a lender review. Quarterly DSCR and covenant monitoring across your active portfolio. Early warning when deals begin moving against plan -- before a lender surfaces it. An annual portfolio intelligence report structured for the conversation where someone asks about your full book. Priority turnaround on every new deal submission across the engagement.

Quarterly Monitoring Covenant Tracking Early Warning Flags Annual Report
Annual retainer - enquire to discuss
Enquire →
The Entry Point

The smallest decision
in your deal budget.

Less than your legal review. Less than your surveyor.
Less than a single week of construction delay.
The only question is when you want to find out what breaks.

US$ 3,000
Flat fee · 48 hour turnaround · One verdict
Go  ·  No-Go  ·  Conditional
Submit Your Deal →

For institutional submissions and portfolio advisory engagements,
see our full services.

BRIKS NETWORK

The intelligence layer. Before the deal is on the table.

The BRIKS Network is the membership behind the product. Monthly deal intelligence, lender threshold updates as market conditions shift, and credit committee breakdowns from anonymised real deal situations.

For founding members, it also includes an async deal scan - a directional read on one deal per month within 48 hours. Enough to know whether it is worth running the full stress-test.

14-day free trial. Founding member pricing is locked for the life of the membership.