Terms of Use & Disclaimer

ValuFund is a free, browser-based professional utility for preparing acquisition and commercial-funding proposals. Its structured workflow can include business information, financial performance, sources & uses, funding structure, debt-service modelling, CFADS, Senior DSCR, downside sensitivity, transaction or funding rationale, report narratives and a print-ready funding proposal.

• ValuFund is free to use.
• No account is required.
• By using the service, you agree to these Terms.

ValuFund is intended for business owners, buyers, sponsors, advisers, accountants, brokers, corporate-finance professionals and commercially experienced users.

ValuFund:

• does not lend money
• does not arrange finance
• does not match users to lenders
• does not make credit decisions
• does not approve funding
• does not provide lender terms
• does not provide regulated financial advice
• does not guarantee availability of finance

Use of ValuFund does not create a borrower-lender, broker-client, adviser-client or fiduciary relationship with THINKERZ LTD.

Generated proposals are for informational and discussion purposes. They are not:

• a commitment to lend
• an offer of credit
• a credit approval
• lender underwriting
• a term sheet
• a facility agreement
• legal documentation
• a guarantee of finance

ValuFund does not provide:

• financial advice
• investment advice
• legal advice
• tax advice
• accounting advice
• regulated financial advice
• due diligence
• formal credit advice

You should obtain appropriate professional advice for material decisions.

The proposal is only as reliable as its inputs. THINKERZ LTD and ValuFund do not independently verify:

• financial statements
• forecasts
• EBITDA
• funding availability
• security values
• customer information
• contracts
• borrower information
• management information
• lending terms
• proposed covenants

You remain responsible for the accuracy and completeness of all inputs.

Sources & Uses is an analytical reconciliation based on user-entered assumptions. A balanced Sources & Uses does not mean:

• finance has been committed
• funding is available
• sources will rank as modelled
• a lender will accept the structure

Actual completion funding may differ.

These are simplified analytical calculations based on the methodology described by ValuFund. They are not a lender's proprietary underwriting model. Different lenders may define EBITDA, CFADS, debt service, permitted adjustments, DSCR, leverage and financial covenants differently.

The selected corporation-tax rate used in CFADS is a simplified illustrative proxy applied to EBITDA for analytical modelling. It is not a corporation-tax calculation, a tax forecast or tax advice. Actual tax may differ materially.

Term loan, asset finance and invoice-finance treatments are simplified modelling assumptions. In particular, the present invoice-finance model treats the facility as revolving and interest-only for Senior DSCR purposes, and the review period does not represent contractual amortisation. Actual lender terms prevail.

ValuFund can model vendor or deferred consideration as subordinated or otherwise according to user assumptions. The tool does not determine legal ranking, enforceability, payment priority, intercreditor rights, security priority, or whether payments are legally permitted. Where modelled as subordinated and payable from residual or free cash flow, this is an analytical assumption only. Actual SPA, facility, security, subordination and intercreditor documentation prevail.

Proposed security shown in ValuFund is descriptive and illustrative. Selecting an all-assets debenture, share charge, legal charge, guarantee or other security does not create, perfect or establish any security interest or priority. Professional legal documentation is required.

Proposed covenants and conditions are illustrative or user-entered. They are not lender terms. Actual lender credit approval and legal documentation prevail.

Forecasts are inherently uncertain. The downside sensitivity is an analytical scenario based on user-selected EBITDA and interest-rate shocks. It is not:

• a prediction
• a stress test approved by a lender
• an exhaustive downside analysis
• a guarantee that the borrower can service debt

• AI is optional; the proposal works without AI.
• AI may only use relevant information supplied through the workflow.
• AI output may contain errors or omissions.
• AI does not independently verify facts.
• Users must review and edit AI output before relying on it.
• AI-generated wording is not professional advice or lender approval.

Users may optionally include their own name, firm, contact details and an authorised logo on a report. Users must have appropriate authority to use any submitted names, contact information, logos and branding.

• Co-branding does not imply endorsement by ValuFund or THINKERZ LTD.
• ValuFund does not verify or accredit the preparer or adviser.
• Use of adviser branding does not create a relationship between THINKERZ LTD and that adviser.
• ValuFund branding and attribution remain part of the report.

Users may download, print and share generated ValuFund reports for legitimate professional and transaction-related purposes, including discussions with lenders, brokers, accountants, advisers, investors, buyers, sellers and management teams. Users are responsible for checking the report before sharing it and for ensuring they have authority to disclose any confidential information it contains.

Do not enter or distribute information you are not authorised to disclose. ValuFund is not a virtual data room or confidential document-management service.

Software may contain errors. No guarantee of uninterrupted availability is given. You should independently check outputs where material decisions are involved.

ValuFund may update formulas, assumptions, interfaces and explanatory material. A proposal produced later may therefore differ.

THINKERZ LTD owns or licenses the ValuFund branding, software, methodology presentation, content, calculations and model implementation, report templates, graphics and interfaces.

User-supplied information remains the property of the user, who may make normal legitimate use and sharing of generated reports.

You may not:

• copy substantial application content
• carry out systematic extraction of data
• reverse engineer the service beyond rights permitted by law
• resell the ValuFund service
• falsely present ValuFund as your own software
• remove or misrepresent ValuFund attribution

You must not:

• attempt unauthorised access to the service or its infrastructure
• disrupt or interfere with the service
• introduce malicious code
• use ValuFund for unlawful purposes
• carry out abusive scraping or automated harvesting
• circumvent technical controls
• misrepresent an affiliation with ValuFund

ValuFund may link to or interact with third-party services. We are not responsible for the content, availability or practices of those services.

For information on how ValuFund handles information, see our Privacy Policy.

To the extent permitted by law, THINKERZ LTD is not responsible for losses arising solely from reliance on an informational model or report where appropriate independent verification or professional advice was required. Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability for fraud or fraudulent misrepresentation and, where applicable, death or personal injury caused by negligence. Mandatory statutory rights are preserved.

Use of ValuFund does not establish lender-borrower, broker-client, adviser-client, accountant-client, solicitor-client, fiduciary, agency or partnership relationships with THINKERZ LTD.

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Scotland. Subject to any mandatory rights applicable to a user, the Scottish courts shall have jurisdiction in relation to disputes arising from use of ValuFund.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full effect.

These Terms may be updated from time to time, and the “Last updated” date will be changed accordingly.

THINKERZ LTD
Company No. SC778478
Clyde Offices, 2nd Floor
48 West George Street
Glasgow, Scotland
G2 1BP

Email: hello@valufund.io