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<aside> 🔍 Vy Capital Group conducted an extensive onsite audit of Dynamo Capital's operations before partnering with them. Here is a full summary of our findings.

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Onsite Audit Summary

1. Process Documentation Review

• Obtained and reviewed all written lending policies and procedures
• Documented the full loan origination and underwriting workflow
• Verified existence of clear approval authorities and risk limits
• Confirmed documentation requirements for each loan type

2. Loan File Testing

• Selected ~16 random loans from the past 6 months
• Traced each loan through the full process
• Verified presence of all required documentation
• Validated appraisal values (cross-referenced against Redfin/Zillow and commercial lending appraisal software)
• Confirmed all loans met stated parameters
• Traced disbursements back to bank statements
• Visited several properties to assess collateral quality

3. Financial Controls Testing

• Recomposed key balance sheet items from bank statements
• Traced loan payments to bank deposits