FINANCIAL VIABILITY ASSESSMENT

Financial Viability Assessment
for 360° views of delivery risk

A comprehensive financial viability report, with tailored commentary and risk mitigation actions. Our most in-depth assessment to assess vendor delivery risk.

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The Financial Viability Assessment gives main contractors a complete view of a vendor's delivery risk for a specific contract, drawing on private financial and operational information, public registry data and exclusive Fiable industry insights.

It is ideal for engagements where you need deeper clarity for higher-value or higher-risk contracts. The assessment determines whether a vendor has the financial strength and operational capacity to deliver against a contract's value, duration and scope, with Fiable coordinating all information directly with the vendor.

Assessments are delivered within 24-48 hours once information is submitted and are fully contextualised to the contract. Each assessment provides financial analysis, trends, operational insights and tailored commentary to help teams identify risk and make confident award decisions.

IN-DEPTH ASSESSMENT

Complete delivery risk transparency

The Financial Viability Assessment brings genuine transparency to construction and procurement.

It combines private financial data, public registry information and unique Fiable insights in a way the industry has not had before.

Our assessment goes far beyond a standard financial check, drawing on both financial and operational insights to give a complete view of a vendor's capacity to deliver on projects.

The outcome is a detailed report that breaks down the results clearly, with a structured breakdown of the findings and tailored commentary.

Fiable Assessment shows vendor has a Fiable Score of 53 with risks in pipeline, liquidity, and profitability.
USE CASES

Ideal for higher‑value, high‑risk contracts

This assessment is built for projects with greater financial exposure and complexity.

It provides the level of depth needed to understand a vendor's capacity in situations where factors like cash flow strain and operational challenges can impact on your project delivery.

If you would like support in setting clear thresholds for what qualifies as a higher‑value or higher‑risk contract within your organisation, we can work with you to define practical business rules.

This includes guidance on when to use Fiable and how frequently assessments should be carried out.

Fiable Financial Viability Report marked ready, with a blue button labeled Download Report and a PDF icon.
BUILT FOR INDUSTRY

Results are contextualised to the contract

Every assessment is tailored to the specific contract or project you are reviewing in relation to the vendor.

The analysis considers their financial position in the context of the contract value, duration and scope so you can understand whether they have the capacity to deliver the work.

This contextual view is then reflected in a Fiable ScoreTM, a contract‑specific score presented on a 0 to 100 scale.

It provides a clear snapshot of the vendor’s readiness for the contract, helping you interpret the assessment quickly before reviewing the detailed findings.

Fiable Diagram showing contract questions leading to a result card with $3.3m project capacity.
SIMPLE PLATFORM

Easy for both contractors and vendors

We’ve designed the process to be simple for everyone involved.

Main contractors only need to enter a few basic details into the platform. After that, we take care of the rest, including communicating with the vendor, collecting the required documents, and following up where needed.

It is just as straightforward for vendors. When information is requested from them, they receive an email notification and can log into a secure portal where they create or update their profile and submit the required documents.

Fiable Company profile dashboard showing 100% completion with sections for details, projects, management, and claims.
COMPREHENSIVE REPORT

In-depth assessment results

We take a comprehensive look at the key factors that shape a vendor's financial position.

The assessment reviews multiple years of financial statements, liquidity, profitability, leverage, and cash flow to build a clear picture of overall financial health.

The assessment also brings in broader business context, including company structure, industry environment, customer and supplier exposure, management background, and operational indicators.

It's all designed to give you a detailed understanding of the vendor's stability and capacity to take on new work such as yours.

Fiable Financial Viability Assessment and report pages with Download Report button and PDF icon.
USER-FRIENDLY RESULTS

Includes tailored commentary and guidance

Each assessment includes commentary on key risks, and provides practical guidance.

When we identify areas that warrant closer consideration, we outline the specific risk factors involved and explain their potential impact on project delivery or financial stability.

Each report includes recommended risk‑mitigation actions to help you proceed safely if you choose to award the contract. Actions may include ongoing monitoring, requesting insurance evidence, obtaining legal review, and more.

We also provide suggested questions to ask the subcontractor, giving you a structured way to address concerns directly and gain the clarity needed to move forward.

Example report section which shows mitigation actions

Results available in 48 hours

If the vendor responds quickly and no clarifications are needed, the final report is ready in 2 business days on Fiable.

Uses private and public data, and Fiable insights

Pipeline, operational structure, recent contracts and other private data submitted by the contractor plus registry information are assessed.

Ideal for higher-risk contracts

Such as higher-value work where deeper financial and operational insight is critical to managing delivery and commercial risk.

Data coverage

The Financial Viability Assessment is our most comprehensive evaluation.
It incorporates both the vendor’s private financial and operational data, plus other signals to deliver the deepest and most accurate assessment possible.

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Private Vendor Information

Financial and operational data including project pipeline, liquidity, key suppliers, concentration risk, cash flow, operational structure, profitability, leverage, financing facilities and more.

Exclusive to the Financial Viability Assessment

Public Registry Information

Official public records including corporate registry data, assets and security, tax and enforcement records, directorships and court or regulatory actions.

Fiable Industry Radar

The vendor is benchmarked against insights in our database to identify sector, geographical and business risk patterns. Fiable profiles the vendor’s type of business, their location and operating characteristics and compares this to our database.

Fiable Network Intelligence

If the vendor has previously engaged with Fiable, we generate additional insights related to typical contract size, average project location, historical activity in the platform and assessment outcomes.

fiable for CONTRACTORS

How it works for main contractors

1

Trigger an assessment request

Trigger an assessment request in Fiable at any time.

2

Answer questions in the portal

Answer questions in the portal such as whether the contract is on a critical path, and the type of work to be undertaken.

3

Provide your supplier’s ABN

This will ensure we're conducting the assessment with the correct company.

4

We take it from here, and handle all contact directly with the vendor

You’ll receive notifications at every stage, including when the vendor submits their information to Fiable.

Our team reviews submissions for gaps, and our financial analysts supported by Fiable’s modelling deliver a detailed assessment.

Enterprise customers also receive a 1:1 walkthrough with a senior analyst.

Once all required information is provided, your assessment will be ready to download within 48 hours from the Fiable portal.

MAIN CONTRACTOR

"Everyone is having to weather a storm and we have seen a spike in insolvencies. Having Fiable there before we enter into contracts is really important."

Financial Controller, Multiplex

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting
FIABLE FOR VENDORS

How it works for vendors

Fiable will notify the vendor that you’ve requested an assessment of their business.

They’ll create or update their profile and submit the required information.

Fiable sends reminders if they haven’t submitted, and once their details are in, Fiable takes care of the rest.

VENDOR

"I recently asked one of my main contractors to start using Fiable because it saves so much time and is easy to use, especially with our details already pre‑filled."

Contracts Manager, Celing and Wall Contractors Australia

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting

"I cannot thank Pagifye website builder enough for their exceptional service and support. From the moment I connected with their team, I felt welcomed and valued. The entire process with care and professionalism."

Amber Stone

Head of Enterprise, UserTesting

Chosen by contractors shaping major projects

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Frequently asked questions

  • How long does it take to receive the Financial Viability Assessment?

    You’ll receive the assessment within 48 hours, provided the vendor has provided all the required information and no clarification is required.

  • Why do vendors agree to sharing their data?

    It’s a secure, simple process that avoids messy email chains which vendors would traditionally need to deal with.

    It also helps them build trust and win more work through transparency with main contractors. Plus, once they’ve used the platform, their business profile is pre-filled, which makes future assessment requests even easier.

  • How do I know when to order a Financial Viability Assessment?

    Fiable works with you to define clear business rules during an Implementation and Business Rules workshop. Together, we identify triggers such as contract size, project type, or vendor history, so you know exactly when assessments are required going forward for your specific business needs. Learn more about switching to Fiable.

  • How does Fiable check and verify the data received from vendors?

    Information is verified by financial analysts. We also combine automation and intelligent validation to ensure that every data point received from vendors is accurate and trustworthy. All data and records are meticulously verified, cross-checked, and evaluated with multiple layers of quality assurance.

  • Is the report only intended for finance or accounting teams?

    The report is designed for anyone making project decisions. Each section includes clear explanations and commentary, so even complex financial data is easy to understand for project managers, procurement teams, and executives.

  • Does Fiable share the assessment findings with the vendor?

    Fiable does not share the assessment findings directly with the vendor. Once the report is delivered to the main contractor, they decide how much to disclose and can use it as a basis for discussion and next steps with the vendor.

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