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Pilot ROI

Estimate Your Impact

Adjust the inputs to match your environment. See what governed decision-making delivers.

Sustainability is not calculated separately. It emerges from how decisions execute.

Your Environment

Loans per month1,000
Avg cost per loan ($)$8,000
Underwriting time (hours/loan)12h
Avg cycle time (days)30 days
Rework rate (%)20%
Cost per rework ($)$1,200
Compliance error rate (%)5%
Avg cost per compliance error ($)$2,000
ESG reporting cost (annual)$150,000
Loaded UW hourly cost ($)$65

Cycle-Time Improvement Drivers

Document intake acceleration (days/loan)2.5d
Rework delay reduction (days/loan)2d
Exception / condition reduction (days/loan)3d
Readiness + execution control (days/loan)3.5d
Projected cycle time3019 days (37% reduction)

Other Impact Assumptions

Rework reduction (%)30%
Productivity gain (%)20%
View as

Annual Financial Impact

$4.9M

$409 impact per decision

High confidence

Today

Rework cost$2.9M/yr
Compliance exposure$1.2M/yr
ESG reporting cost$150,000/yr
Decision executionUncontrolled

With QuNetra

Rework cost-30%
Compliance exposure-40%
ESG pipelineEliminated
Decision executionControlled

Labor Savings

$3.5M

53,280 hrs × $65/hr

Rework Savings

$864,000

30% reduction in rework spend

Compliance Savings

$480,000

From $1.2M annual exposure

ESG Cost Eliminated

$105,000

70% of $150,000 reporting cost

Impact per Loan

$409

Across 12,000 loans/yr

Payback Period

< 1 mo

On $250,000 implementation

What This Means for the Chief Financial Officer

Your lending operation carries $2.9M in annual rework cost and $1.2M in compliance exposure. These are not operational inefficiencies — they are financial risks created by decisions executed under incomplete conditions.

With decision infrastructure, execution is controlled at the point of commitment. The result: $4.9M in hard-dollar annual impact — from labor recovery, rework elimination, compliance reduction, and ESG cost elimination. Sustainability is generated at execution, eliminating separate ESG reporting cost.

We separate efficiency from financial impact — and only quantify what can be proven.

Sustainability (Generated at Execution)

Carbon per loan3.9g
Total carbon impact46.8kg/yr
ESG reporting cost avoided$105,000

Generated at execution — no separate ESG reporting pipeline required.

Traditional ESG

Calculated after the fact

QuNetra

Generated during execution

If sustainability is not generated at execution, it cannot be proven under audit.

Traditional

DecisionExecutionReporting

QuNetra

DecisionExecutionEvidenceCompliance

Generated at execution — not estimated after the fact.

Based on your inputs

$4.9M hard-dollar impact · $409 per loan · < 1 mo payback

Based on your inputs, this looks like a strong candidate for a 4–6 week pilot.

Estimates based on your inputs and industry benchmarks.

Run this in your environment in 4–6 weeks.