What RDC FINTECH delivers
A pre-investment-commitment stress-survival verification layer. After your team clears a candidate through standard due diligence, RDC runs a deterministic survival audit answering one specific question: can this target remain operational without external financing if extreme stress materialises?
The question RDC answers
Standard due diligence, rating-agency review, and conventional risk assessment all answer variations of the same underlying question — what is the probability of default under expected conditions? RDC answers a fundamentally different one: how long can this entity continue operating on its own internally generated cash flows if external financing access disappears entirely?
A target that looks investable under expected conditions may be structurally fragile under sustained stress; a target that looks unremarkable may be exceptionally resilient. The difference is invisible to default-probability models calibrated on normal-conditions market data.
What is the probability of default under expected conditions?
How long can this institution operate on internally generated cash if external financing disappears entirely?
Where RDC fits in your investment process
- 01 Your team identifies a target — equity, debt, M&A, strategic stake, or direct ownership.
- 02 Your team completes standard due diligence, financial analysis, and risk assessment.
- 03 Your team clears the candidate for investment under normal-conditions criteria.
- 04 RDC runs the deterministic stress-survival verification — the step that converts “passes due diligence” into “passes stress verification.”
- 05 Your investment committee proceeds, defers, or declines — with one additional honest input on the table.
What RDC measures and reports
Self-Sufficiency Percentage
The portion of operating requirements fundable from internally generated cash flows alone — reported at 10%, 30%, 50%, 100%, or 100%+ externally dependent.
Historical Self-Funding Record
Years out of the last seven funded entirely without external financing. 7-of-7 is structurally rare; 0-of-7 indicates structural external dependency.
Stress-Survival Horizon
How long operations can be sustained under defined macro stress before external financing becomes necessary. Reported in months.
Investment Verdict
A clear go / defer / decline signal against the framework’s calibrated thresholds.
Commission a deterministic resilience assessment.
Phase I diagnostic through full three-phase verification — scope is the variable, never the standard.