Research
Every line, studied before it is built.
Every service the holding company has structured sits on research already done: the credit programs, the insurance models, the parcels read one by one, the vehicle shapes, and the customers each line reaches.
- Markets
- Private markets
- Credit
- Real estate
- Digital economy
Research is the work before a service moves
A scenario a bank handles badly, studied on disk before the holding company builds the platform that would handle it well.
Each service in the catalogue needs its research card before it moves past structured, and the cards are on disk. The credit programs were written one file each, from commercial loans and premium finance to contractor, equipment and receivables finance and the purchase of whole loans, with state-by-state lending and premium finance matrices beside them. The insurance line has its model choice studied, its distribution models compared, and its economics written up. Property has phase-zero reads on individual parcels and a portfolio register in which every figure is copied from a file and cited to it. Outside capital has a vehicle matrix, an adviser study, and a product card for every possible product, all on one field set. Every study sits in a master register with a status, the places where two sources disagree sit in a contradiction register that resolves nothing on its own, and the questions only counsel can answer sit in a register of their own.
Nothing in the register is human-verified or acted on: premium finance, short-term lending, debt recovery and property are structured; contractor, equipment and receivables finance, the insurance model and outside capital are in research; nothing is formed.
- Markets
- Customer demographics for the finance lines, the persona work built from published data, and the master register every study sits in
- Credit and insurance
- The credit programs one file each, the state matrices, funding sources and servicing technology; the insurance encyclopedia, agency economics and distribution models
- Property
- Phase-zero reads on individual parcels: zoning, hazard, transit, encumbrance, comps and owner cost, with a portfolio register cited line by line
What was studied, by area
Markets
Who each finance line is for.
Who the customer is for each finance line, the persona work behind the capital run beside our own, and the register, queue and contradiction list every study reports into.
Private marketsPrivate markets
The shapes outside capital could take.
The vehicle shapes outside capital can be run in, what an adviser running it is held to, a product card for every possible product, and how established managers present their work.
CreditCredit
Each credit program, one file at a time.
The credit programs studied one file each, the state-by-state lending and premium finance matrices, licensing evidence, and the insurance line’s economics, models and distribution.
Real estateReal estate
Property read one parcel at a time.
Individual parcels read at phase zero, zoning to floodway, a portfolio register with every figure cited to its file, and a teaser framework that publishes nothing.
Digital economyDigital economy
Kept apart from the Build Capital lines.
Research that sits with Liquid Link, not a Build Capital line; the holding company’s one interest there is the study of how a digital business is bought.
Work that cuts across the lines
Product cards
Every possible product, on one field set.
One card for every possible product, each on the same field set and each in review, none past structured.
Competitor teardowns
Platforms and insurers, read closely.
Teardowns of alternative investment platforms and small-business insurers, and a study of how institutional managers present themselves; no company is named on this site.
Licensing and regulatory map
Requirements mapped line by line.
Licensing requirements outlined line by line, a standing regulatory monitor, and every question only counsel can answer kept in one register.
One method
Every study, run the same way.
Every study runs from the same research prompt, is run against a failure-case prompt, and reports into a do-not-repeat list so the same ground is not covered twice.