Legal opinions, credit ratings and appraisals are built separately and never talk to each other. Vectus brings jurisdiction enforcement, airline distress, asset liquidity and deal structure into one defensible view — anchored to a proprietary database of real enforcement outcomes.
A legal opinion assesses enforceability in theory. An appraisal values the asset in isolation. A credit rating scores the airline, not the aircraft, the jurisdiction, or the deal that wraps around it.
Each one is defensible on its own. None of them answer the question a lender actually needs answered: if this airline fails, in this jurisdiction, under this deal structure, what do we actually get back — and how long does it take?
That gap is where mispricing lives, and where every enforcement surprise starts.
Each engine answers one question a credit committee actually asks. Together, they produce a single recommendation — never a replacement for your own process.
This runs a simplified, publicly-safe version of the logic — enough to show how the pieces interact. The real model is more granular, and its weights are disclosed to clients under NDA, not published here.
Every assumption is checked against a proprietary database of 170+ documented enforcement events across 70+ jurisdictions — not legal frameworks alone, but what actually happened when lessors tried to recover aircraft.
Where our own accuracy is still developing, we say so — in the methodology, and in the specific deals it affects. A model that hides its weak points isn't one you can build a real decision on.
Every case is scored using only the information available before the event, not fitted to the outcome afterward.
Every output supports your own credit committee's process. Final approval authority always rests with you.
"We score what actually happens when you try to repossess — not what the law says should happen."Vectus Intelligence, cited by Reuters on airBaltic's bond restructuring — September 2026
"Not selling a subscription. Looking for practitioners in aviation finance who will stress-test the framework against a real deal — and tell us where it's wrong."
If you underwrite, finance, lease or manage aviation assets and want to see where this framework holds up and where it doesn't, we want that conversation.