Validate your financing

The step that defines your final rate

Validation is step 5 of the process and the core of DOB Capital's risk assessment. It is organized into three progressive levels: each level you complete improves your risk profile, reduces the gap between your indicative rate and your verified rate, and moves your asset closer to public offering.

You don't need to complete all three levels to move forward. Level 1 is free and already improves your profile. Level 2 opens formal validation. Level 3 enables the public offering.

The three levels

Level 1 — Documents (free)

The first level covers tax connection and document upload. There is no cost.

What you do at this level:

• Connect your tax authority (SII in Chile, or the one corresponding to your country) so DOB Capital can read your declared sales, tax status, and fiscal compliance history directly.
• Upload supporting financial documentation: bank statements, client contracts, asset documents, operating permits, or any evidence supporting the asset's income.

Why it matters:

Information verified directly against an official source is worth more than self-declared data. Each corroborated data point reduces risk uncertainty, and that reduction translates into a better rate for you.

For countries where direct tax integration is not yet available, you can proceed by uploading manual documentation during this level.

---

Level 2 — Due diligence ($300)

The second level is the formal validation of your identity, your asset, and the financial viability of the operation. It costs $300 USD per asset and is the first payment gate of the process.

What we verify?

Identity (KYC/KYB)

• Individuals: identity verified with an official document, proof of address, and basic background checks.
• Legal entities: legal existence, corporate structure, legal representatives, and standing with the corresponding regulatory authority.
• AML/CFT compliance lists: we check international anti-money laundering and counter-terrorism financing lists.

Asset

• Existence: we verify the asset exists. For physical assets this may include visits or remote verification with documentary evidence. For digital assets (SaaS, platforms) operation is verified through metrics and access.
• Productivity: we confirm the asset actually generates revenue. We do not finance assets without demonstrable cash flow.
• Ownership: we verify that you (or your company) are the actual owner or hold the operating rights.
• Legal status: we confirm the asset has no liens, seizures, or pending legal disputes.

Financial viability

• Cash flow: we analyze historical and projected revenue to confirm the asset can support the financing payments.
• Coverage ratio: the asset's revenue must comfortably cover the monthly installment. An asset that barely generates enough to pay is not viable.
• Consistency: we cross-reference financial information with tax data and uploaded documentation.

The process

1. You pay the $300 through the platform.
2. A member of our risk team takes your case.
3. All available documentation is reviewed.
4. If additional information is needed, we request it directly. This may include calls, video calls, or extra documents.
5. For certain asset types or large amounts, we coordinate on-site or remote video verification.
6. The evaluator issues a Go/No-Go decision.

The process typically takes 3 to 10 business days. The more complete your documentation, the faster the process.

The Go/No-Go decision

If it's a Go: your asset advances to the next level. You receive formal confirmation.

If it's a No-Go: it's not the end of the road. You receive a report with the specific reasons for rejection, concrete recommendations, and a suggested timeframe to reapply. The most common reasons are incomplete documentation, insufficient cash flow, or ownership issues that can be resolved.

The $300 covers the verification work regardless of the outcome. This ensures the objectivity of the process.

---

Level 3 — Full verification ($1,200)

The third level takes the assessment to greater depth and enables the transition to public offering. It costs $1,200 USD per asset.

What it includes:

• On-site verification for physical assets (or extended remote audit).
• Complete document audit: client and supplier contracts, audited financial statements, current permits and licenses.
• Legal validation of asset documents.
• Operational environment and sectoral risk assessment.

Completing this level enables your asset to structure the public offering and access institutional investors (LPs specializing in real assets).

How much does your rate improve?

Each validation level reduces the gap between your indicative rate and your verified rate:

• Level 1 (documents): partial improvement, proportional to the quality and history of the documentation.
• Level 2 (due diligence): significant improvement by confirming identity, asset, and viability.
• Level 3 (full verification): closes most of the remaining gap and unlocks the lowest available rate.

The exact percentage improvement depends on your asset, country, and industry. You can see the estimated impact in your dashboard.

Start your validation

If you have already created and tokenized your financing, you can start Level 1 from your dashboard at no cost.

Go to my dashboard to see the validation status of your asset.