The audit PDF
One file with everything you knew when you decided, sealed so any later change shows.
When an account goes bad, the first question is what you knew when you approved it. The audit PDF keeps that answer in one file you can hand to your lender, your auditor or your lawyer.
What is in it
- Applicant profile: legal name, EIN, structure, address, contact details, years in business, monthly volume, the credit line asked for, the principal, and the decision status.
- Trade reference verification: each vendor, their contact, the highest credit, account age, how the applicant pays and when they answered. Unanswered references show as pending.
- E-signature and legal verification: the signature, when it was signed, the signer's IP address and device, whether they agreed to sign electronically, and the seal.
- Personal guarantee, when one was given: the guarantee text and the guarantor's own signature.
- Terms agreed: the terms exactly as the applicant saw them when they signed.
It carries your logo, company name, address and tax ID.
The seal
When an application is signed, Valtis Desk computes a SHA-256 hash of everything in it: the answers, the signatures, when and where it was signed. The hash is a fingerprint. If anything in the record changed later, the fingerprint would no longer match.
Each audit PDF shows the hash taken at signing and the hash computed now. When they match, it says Seal verified: record unchanged since signing. The file page shows the same check.
Getting it
- Audit PDF on any file downloads the latest version.
- When the last reference answers, the alert email has it attached.
The applicant gets their own copy when they sign. It shows what they signed, without the reference answers or your decision. See Electronic signatures.