Support & FAQ

Licensing & availability

 

Can I buy or download Credit Co-Pilot now?

Not yet. The product and separate Demo are coming soon; purchases and software downloads are unavailable. View the 50-second preview and fictional sample memo on the Overview page.

 

Is this a one-time purchase or a subscription?

Both planned licenses are one-time purchases for perpetual use of version 1.7.0, subject to the license agreement. You may use the purchased version indefinitely, with no subscription, annual license fee or required renewal.

 

Are future updates and support included?

No. Future versions, updates, maintenance, training, data recovery and ongoing support are excluded. Future operating-system or software compatibility is not guaranteed. Optional later purchases would have separate express terms. Final license terms will be available before sales open.

 

How do Individual and Institutional differ?

Individual covers one named authorized user. Institutional covers the purchased user count within one named legal institution. Both use the same Full application and calculations. Users have separate local workspaces; cloud synchronization, SSO and central administration are not included. See Licenses for planned prices and user limits.

 

What will the Demo include?

A separate evaluation experience with fictional records. Do not enter real borrower information. A paid license does not unlock the Demo distribution. Demo does not provide backup/restore or data import/export.

 

Workflow & outputs

 

What analysis can I build?

Choose relevant tools for financial spreading, cash flow, global coverage, debt, collateral, covenants, stress testing, working capital, real estate, tax schedules, projections and personal financial statements. You enter and reconcile the inputs and interpret the results.

 

How do spreading and UCA cash flow help?

Compare statement periods, liquidity, leverage, profitability and working-capital trends. Linked UCA analysis shows how receivables, inventory and payables affect cash flow and why profit may differ from available cash. Check period lengths, classifications and reconciliation flags.

 

How does global cash flow work?

Align business and personal entities by period, select participating sources and combine cash flow with debt schedules. Duplicate-source controls and reconciliation notices help identify inconsistent inputs. You still check ownership, access to cash, distributions and double counting.

 

Can I test a downside?

Rate stress applies a chosen increase to included variable-rate debt. Operating stress tests revenue declines and expense increases; break-even tools support sensitivity review. Assumptions and institutional thresholds remain yours. The illustrative risk score is not a bank-approved risk grade or loan decision.

 

What about working capital and real estate?

Review AR/AP aging and concentrations; borrowing-base eligibility, cross-aging, advance rates and reserves; and rent-roll occupancy, income, expenses, NOI and debt coverage. You must verify values and eligibility rules.

 

Will it write or approve the memo for me?

You write the narrative and recommendation. The memo workspace organizes your discussion alongside calculated results. Print Memo produces a reviewable memo; Master Print / PDF lets you select and order underwriting sections. Credit Co-Pilot is not an AI writer or approval authority.

 

What does the sample memo show?

The eight-page fictional example combines Credit Co-Pilot 1.7 preview calculations with analyst-written narrative. Its custom website layout is not the application’s native Print Memo or Master Print / PDF formatting. All names, figures and assumptions are invented. It is not an actual lending recommendation or approval.

 

Requirements, data & contact

 

What computer and connection will I need?

The planned release is a Windows 11 x64 desktop application with a separately issued offline license file. Final installation and system requirements will be published before downloads open. Downloading the software and contacting support require connectivity. Your compatible device and any software needed for Office templates are separate.

 

How are work, backups and exports handled?

Full uses an encrypted local workspace and supports passphrase-encrypted portable backups. Arvanalytics cannot recover a lost passphrase. You protect exported JSON, PDFs, Office files and screenshots and arrange your own backups; there is no vendor-managed cloud backup. Review free text before sharing: print workflows do not automatically redact everything you write.

 

Are learning resources included?

The workspace includes a credit field guide, Credit Academy articles and analysis tools. Its resource library includes Office templates and PDF guides. Compatible software is needed for Office files. Individual resource availability will be confirmed with the release; do not assume optional video libraries are included.

 

How can I ask a question?

Email support@arvanalytics.com with a non-confidential inquiry. For launch questions, include your role, individual or institutional interest, and anticipated number of users. Do not send borrower information, financial account details, workspace backups or passwords. The one-time license does not include an ongoing support plan.