Facility Rationale and Structure
What is being asked for, why that amount, why that tenor, and how it is repaid out of the business rather than out of optimism.
Bank Readiness Package
Applications are rarely refused because the company is not fundable. They are refused because the file does not answer the questions a credit committee is required to ask, in the order it asks them. We build the file first, test it against those questions, and only then does it go in. The same pack, with the emphasis moved, is what an institutional investor asks for at intake.
What We Offer
What the File Contains
Covenant and Ratio Headroom
Debt service coverage, leverage and interest cover computed forward, with the point at which each covenant would be breached stated plainly.
Projected Statements
Three-year projections built from your own operating history, with every assumption listed and traceable.
The Full Document Set
Audited statements, tax returns, cash-flow study, security schedule and corporate documents, assembled and reconciled to each other.
Our Approach
Ready Before You Apply
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Assess
We read the statements as a credit officer would, and name the gaps that stop a file before it reaches committee.
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Build
We assemble the case from verified figures and reconcile every document in the pack to every other.
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Defend
We stay with the file through the queries and keep it consistent as it moves between departments.