Aviation Capital Risk Intelligence
Integrated aviation credit risk analysis — jurisdiction enforcement, airline health, asset liquidity, and deal structure in one view.
Aviation finance is priced against fragmented information — legal opinions, credit ratings, and appraisals that don't talk to each other. Vectus brings them together into one defensible risk view, backed by a proprietary database of real enforcement outcomes.
The Framework
Seven analytical engines. One integrated recommendation.
JES
Jurisdiction Enforcement Score
What actually happens when enforcement is tested?
ADS
Airline Distress Score
How likely is this airline to default in 12 months?
ARS
Asset Redeployability Score
If repossessed, what is the aircraft worth and how quickly redeployed?
DSS
Deal Structure Score
How well does the legal and commercial structure protect the lender?
EOS
Enforcement Outcome Score
What recovery rate and timeline will actually be experienced?
ELD
Expected Loss Dashboard
What is the dollar loss? PD × LGD → USD.
PCS
Portfolio Concentration Score
What does this deal do to overall portfolio exposure?
What You Receive
A single credit memo, built for your specific transaction
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Module-by-module risk assessment across all seven engines
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Key risks and mitigants specific to the deal
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Full transaction structure review
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Portfolio concentration impact analysis
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Stress-tested loss scenarios
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Clear conditions precedent for closing
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A recommended position — an input to your own credit process
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Explicit confidence disclosure where model coverage is still developing
How We Work
The discipline behind the numbers
Tested against reality, not just theory
Every assumption is checked against a proprietary database of real enforcement outcomes — not legal frameworks alone, but what actually happened when lessors tried to recover aircraft.
Disclosed limitations, not hidden ones
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.
An input, never the decision
Every output is built to support your own credit committee's process, not replace it. Final approval authority always rests with you.
Request an Assessment
Submit deal basics below. A Vectus analyst reviews the transaction and returns a full Credit Risk Memo built for your specific deal.