Hermes
Each platform —NPL, REO and new builds— has its own due diligence, deterministic and cited.
What it does
Dedicated due diligence for each platform
StrategicNova due diligence is not a single product: each platform has its own, dedicated to its asset class.
They all start from the file as delivered —scanned PDFs, emails, images, the data tape— and produce a draft in which every statement carries its citation and its degree of certainty. Extraction does not rely on a generative model, and legal matters always remain pending review by a lawyer.
One due diligence per platform
One due diligence per platform
The collateral behind each loan
Everything that changes the recoverable value or the recovery time of the collateral: documentary, registry and planning, financial and sealed. Report per loan or in batch per portfolio.
Available as an NPLStrategic module, in pre-production.
REOStrategicThe repossessed property
From the asset file —court decree, land registry extract, community and property tax certificates, energy certificate, Cadastre, planning, visit reports— to an opinion that tells the seller whether the asset is ready to sell and what must be fixed, and tells the buyer what they are buying: title and registry, possession, debts, planning and technical, and tax.
In design. It will come with REOStrategic.
ONStrategicThe plot and the development
The planning rules —land classification and zoning, buildability, heights, site coverage, minimum plot, density and uses— and the title and registry of the development. Every figure is cited and checked against the parameters supplied by the user: if they differ, it goes to review; it is never silently replaced.
In design. It will come with ONStrategic.
NPL: the four layers
NPL: the four layers
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01
Documentary
What the land registry extract, the deeds, the edicts and the certificates of charges provided by the servicer say.
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02
Registry and planning
Charges, ranking, encumbrances, licences and territorial risks that reduce value or lengthen recovery.
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03
Financial
Exit scenarios, IFRS 9, stress and recovery plan from the NPL engine, fed with the actual charges found in the documents.
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04
Sealed
The approved report keeps its fingerprint and, optionally, a NOVAStrategic proof-of-existence seal.
NPL: how it works
NPL: how it works
What it reviews
Charges and their ranking, ownership, occupancy and leases, tax liens and community debts, auctions, licences, easements and natural hazards, above all flooding.
Deterministic and cited
Extraction does not rely on a generative model: every fact points to the document and the page it comes from.
Difficult documents
Page-by-page reading with OCR of scanned documents, splitting of compound PDFs and detection of handwriting to send it for review.
Nothing is lost silently
A damaged, unreadable or unclassified document does not stop the analysis: it is recorded in the loss inventory and in the review queue.
Tailored report
Report in HTML, DOCX and PDF, with the option to pseudonymise personal data.
Human approval
Approval is human and mandatory; the approved report is the one that gets sealed.
Status
NPL due diligence is available as an optional licensed module of NPLStrategic, within its pre-production. The REOStrategic and ONStrategic ones will come with those products.
The rest of the family
NPLStrategic
NPL portfolio analysis and salePlatform to analyse and sell non-performing loan (NPL) portfolios, installed on your company's own infrastructure.
REOStrategic
REO asset and portfolio saleSale of repossessed properties —asset by asset, in lots or as a portfolio— in a single file.
ONStrategic
Platform for new-build developersFrom the plot to marketing the development, for new-build developers and sales agents.
RENTStrategic
Platform for the rental marketThe family platform for the rental market, tied to NOVAStrategic evidence sealing.
NOVAStrategic
Security, data sovereignty and sealingYour data stays in your installation. The only thing that leaves, to be sealed, is a fingerprint.
Harpócrates
StrategicNova built-in cybersecurityCybersecurity travels inside each installation: a shield in front of the application and autonomous cyber-defence under human governance.