Financing logic
encoded, not guessed.
Waaza's rule engine encodes lender criteria, vessel risk factors, and structuring logic into a deterministic, versioned system. The same inputs always produce the same outputs. Every assessment is auditable and explainable.
Design principles
Built to be trusted, not just used
Deterministic
The same inputs always produce the same outputs. No probabilistic guessing. No model drift. A rule set applied consistently across every assessment.
Versioned
Every rule change is logged, dated, and versioned. You can always see what rule set produced a given assessment — and compare outputs across versions as the engine evolves.
Transparent
The output explains itself. Every score, every risk flag, every LTV estimate is traceable to the specific rules that produced it. Not a number from a black box.
Adjustable
Rules are stored in the database, not hardcoded. As lender criteria change, as market conditions shift, the rule set updates — without touching the underlying engine.
What it processes
Three input categories. One structured output.
- —Liquidity available
- —Net worth band
- —Income type and stability
- —Residency and tax jurisdiction
- —Intended ownership structure
- —Existing leverage
- —Purchase price
- —Year built
- —Usage type (private / charter)
- —Intended flag
- —Builder reputation
- —Refit history
- —Personal or SPV ownership
- —Flag jurisdiction
- —VAT status
- —Leasing arrangement
- —Charter income offset
Output
Every output is explainable
The rule engine doesn't produce a number and leave you to interpret it. Every score, every flag, and every LTV estimate is accompanied by the reasoning that produced it — traceable to specific rules and inputs.
See the rule engine in action
Run a free assessment. See exactly how the inputs map to the output — score, LTV estimate, flags, and the reasoning behind each.