You do not choose a package according to your budget, but according to what the funder will have to read. A single entity and a simple request do not call for the same file as a holding company or an LBO. Start with the Score: it is free, and it will tell you which of these four levels fits your situation.
Knowing whether your file holds up — and above all why it does not yet.
10 questions · immediate result · no appointment · in French
Your forecast, delivered. You take it to the funders yourself.
48 h max · 1 revision
One entity, one funding request — carried through to the release of the funds.
10 working days · 3 revisions
Everything in Essentielle, plus:
Holding company, LBO, group of companies: each entity is treated in its own right.
21 working days max · 5 revisions
Everything in Standard, plus:
Three kinds of deliverable, not four: the numbers, their summary, and the narrative explaining why they hold up. Calibrating for a bank or for public bodies is not one more deliverable — it is the way the three are addressed to the reader.
| Fundability Score | Essentielle | Standard | Premium | |
|---|---|---|---|---|
| Scope | ||||
| Type of transaction covered | Before any commitment | The numbers alone | Simple file · a single funding request · trading company | Holding company · LBO · structuring of complex transactions |
| Entities covered | — | 1 entity | 1 entity | Every entity in the group |
| Analysis | ||||
| Online Fundability Score | ✓ | ✓ | ✓ | ✓ |
| Feasibility study | ✕ | ✓ | ✓ | ✓ |
| Financial analysis by entity | ✕ | ✕ | ✕ | ✓ |
| Forecast financial statements — 5 years | ||||
| Forecast profit and loss account | ✕ | ✓ | ✓ | ✓ |
| Forecast balance sheet | ✕ | ✓ | ✓ | ✓ |
| Cash-flow plan | ✕ | ✓ | ✓ | ✓ |
| Funding plan | ✕ | ✓ | ✓ | ✓ |
| Banking ratios, DSCR and operating cash flow analysis | ✕ | ✕ | ✓ | ✓ |
| Stress test scenarios, calibrated to your file | ✕ | ✕ | ✓ | ✓ |
| Complete financial statements for each entity | ✕ | ✕ | ✕ | ✓ |
| Summary and narrative | ||||
| Financial summary | ✕ | ✓ | ✓ | ✓ |
| Downside version of the financial statements | ✕ | ✕ | ✕ | ✓ |
| Confidential Information Memorandum | ✕ | ✕ | ✓ | Premium |
| Calibration of the file | ||||
| Bank version | ✕ | ✕ | ✓ | ✓ |
| Public-body version | ✕ | ✕ | ✓ | ✓ |
| Structuring | ||||
| Legal structuring | ✕ | ✕ | ✓ | ✓ |
| Support | ||||
| Support until the funds are released | ✕ | ✕ | ✓ | ✓ |
| Funding search by a partner broker | ✕ | ✕ | ✓ | ✓ |
| Terms | ||||
| Delivery time | — | 48 h max | 10 working days | 21 working days max |
| Revisions included | — | 1 | 3 | 5 |
What to know before choosing. These prices cover the most common situations; a specific or complex request — several entities, an unusual structure, a constrained timetable — is quoted for after a conversation. No page count is mentioned: a file is judged on what it demonstrates, not on its thickness. The support is a single one — it covers the progress of the file until the funds are released, including where the funding goes through a broker. Broking is carried out by a partner broker registered with ORIAS; Novaris carries out no intermediation in banking operations and receives no commission on the funding obtained. None of these packages includes bookkeeping: when entrusted to a third party, it falls within the exclusive remit of an expert-comptable registered with the Ordre — the French regulated accountancy profession — and is covered by a separate engagement letter, it being noted that no law obliges you to delegate it.
