BRIKS ADVISORY — SERVICES

Before capital moves,
the numbers must hold.

Every engagement is built around one standard: your deal must be defensible before the people who will question it most. That means a credit committee. That is who we build for.


DEAL INTELLIGENCE REPORT

You have a deal you are preparing to take to a lender. The numbers look right. They have never been independently challenged by someone who thinks like a credit committee.

THIS IS YOUR ENGAGEMENT ↓
INVESTMENT COMMITTEE UNDERWRITE

You are raising capital for your deal. Any size. Any deal. A stress-test gives you a verdict - this gives you the fully packaged submission that speaks the lender's language and survives the room.

THIS IS YOUR ENGAGEMENT ↓
PORTFOLIO INTELLIGENCE

You have multiple deals active simultaneously and no consistent view of which ones are quietly moving against plan before a lender review surfaces it.

THIS IS YOUR ENGAGEMENT ↓
CORE PRODUCT

Deal Intelligence
Report

FLAT FEE
US$3,000

THE PROBLEM

You have done the numbers. The deal looks right. What you have not had is an independent challenge to the assumptions holding it together -- from someone who thinks the way a credit committee does, not the way a developer does. That gap is not theoretical. It is where deals get held up, restructured under pressure, or sent back after months of process -- with costs already moving and capital already planned around numbers a lender just rejected.


THE OUTCOME

A clear verdict on your deal -- Go, No-Go, or Conditional -- delivered in 48 hours. Every material assumption stress-tested across three scenarios. Five failure modes identified and explained. An investment committee-ready summary memo you can take directly into any lender conversation. You walk in knowing what the lender is going to challenge and what your answer is -- because someone who has sat on their side of the table already ran it.

Go

Your deal holds under independent challenge. Your DSCR clears 1.25x under stress. You walk into a lender conversation carrying a verified verdict, not a projection.

No-Go

Your deal breaks below a specific threshold. You find out here, for US$3,000 -- not at a lender's desk after months of process, with capital already committed.

Conditional

The most common outcome. Your deal holds under specific conditions. The report tells you exactly what needs to change before it is lender-ready -- on your timeline, not theirs.

What you walk into the room with: a verdict that was built to survive the same scrutiny a credit committee applies. The questions they were going to ask are already answered in your submission. The back-and-forth that typically takes months collapses before it starts.


FOR DEVELOPERS RAISING CAPITAL

Investment Committee
Underwrite

PROJECT FEE
Scoped on engagement. / Enquire to discuss.

THE PROBLEM

The DIR stress-tests your deal and gives you a verdict. This engagement goes further. You have a deal and you need to raise capital from a bank, a local lender, or an equity partner. Any deal size. The person providing that capital does not accept a model and a verdict alone. They require a fully structured narrative; capital stack logic, covenant framing, sensitivity evidence, and a memo that answers the questions their team will raise before they raise them. One number that cannot be defended ends that conversation before the capital conversation even begins.


THE OUTCOME

A complete, lender-ready underwrite built to survive the hardest questions in an institutional financing room. Every assumption defended. Every scenario documented. Structured and packaged so the committee can follow the logic from deal premise to verdict without a gap.

Full IC Memo Executive summary, deal narrative, and investment thesis structured for a committee read - not a developer presentation.
Complete Sensitivity Analysis Full scenario modelling across occupancy, construction cost, rate, and exit variables. Every breakpoint identified and explained.
Covenant and Liquidity Framing DSCR, LTV, and debt service coverage structured around the specific covenant thresholds the lender will test.
Capital Stack and Waterfall Analysis Equity and debt structure mapped against return scenarios. Waterfall logic documented for co-investor and lender review.
Comparable Transaction Analysis Market evidence supporting key assumptions -- drawn from comparable deals in the relevant Caribbean jurisdiction.
One Revision Included Scope confirmed on intake. One full revision cycle included. Restructure scenarios provided where the deal warrants them.

What this changes about the room: your submission arrives structured the way the way a capital provider thinks - not the way a developer presents. The questions they were going to spend three meetings asking are answered in the document they open first. Your analysis holds under pressure because it was built under it.


FOR ACTIVE DEVELOPERS — MULTIPLE DEALS

Portfolio
Intelligence

Annual retainer - structured around portfolio size and complexity. / Enquire to discuss.

THE PROBLEM

You have multiple deals active simultaneously. Some are in development. Some are stabilised. Some are approaching a lender review or refinancing event. You have no consistent way of knowing which ones are quietly moving against plan until a lender surfaces it -- by which point the covenant headroom has already shrunk, the assumptions have already aged, and you are having a conversation you were not prepared for. Each deal reviewed in isolation means each one carries a blind spot the others could have informed.


THE OUTCOME

A dedicated advisory relationship built around your active deal stack. Quarterly DSCR and covenant monitoring across every asset. Early warning when a deal begins moving against plan -- before a lender sees it. An annual portfolio intelligence report you can take into any lender conversation about your book. And priority turnaround on every new deal submission across the engagement.

QUARTERLY
Covenant and DSCR Review

Every active deal stress-tested against current market inputs. Covenant headroom tracked. Early warning issued when a deal begins drifting outside plan.

AS NEEDED
New Deal Submissions

Priority turnaround on every new DIR submitted during the engagement. New deals assessed in the context of the existing portfolio, not in isolation.

AS NEEDED
Assumption Recalibration

When market conditions shift -- construction costs, lending rates, occupancy trends -- assumptions across the portfolio are updated so your inputs are never running on last year's data.

ANNUALLY
Portfolio Intelligence Report

A full portfolio-level review. Performance against plan. Risk concentration analysis. Forward-looking scenario modelling. Structured for a lender conversation about your entire book.

Quarterly DSCR and Covenant Monitoring Every active deal tracked against the thresholds that matter to your lenders -- before they run it themselves.
Early Warning Flags When a deal starts moving against plan, you find out from us -- not from a lender review, not from a margin call.
Annual Portfolio Intelligence Report Lender-ready portfolio summary. Structured for the conversation where someone asks about your full book.
Priority Deal Submission Access New deals submitted during the engagement go to the front of the queue. Assessed in context, not in isolation.
Assumption Recalibration Market inputs updated as conditions shift. Your portfolio assumptions are never running stale.
Direct Founder Access Every portfolio engagement is run directly. No handoffs, no junior analysts. The same pattern recognition that built the OIE, applied to your book.

What this changes: you stop finding out what is wrong with your portfolio from the people with the most leverage over you. A lender surfacing a covenant breach, a refinancing event catching you with stale assumptions, a deal drifting quietly off-plan while your attention is on the next one -- those are the moments this relationship exists to prevent. The cost of this engagement is a fraction of the cost of one conversation you were not prepared for.




One deal at the wrong assumptions is the most expensive mistake in this business.


Finding out what breaks in your deal costs US$3,000 and 48 hours. Finding out at a lender's table costs significantly more -- in time, in capital already committed, and in credibility you cannot bill back. Submit your deal. We will tell you exactly where it stands before any of that is on the line.