Debt Service Coverage
Compares available cash flow with required debt payments. A stronger ratio generally provides more room to support debt.
Capital Advisory • Funding Readiness
Understanding the Numbers Lenders May Review
Financial measurements help reviewers evaluate repayment capacity, leverage, liquidity, revenue consistency, and risk. The exact calculations vary by lender and product.
Loan-to-Value
Compares the loan amount with the value of pledged collateral or property.
Debt-to-Income or Global Cash Flow
May consider both business and guarantor obligations depending on the product.
Revenue Consistency
Reviews trends, seasonality, customer concentration, and whether deposits support the stated revenue.
Liquidity & Reserves
Considers available cash, equity injection, and the ability to absorb unexpected costs.
Debt Utilization
Reviews current balances, payment frequency, liens, and the total burden of existing obligations.
Next Step
Capital Works Best When Structure Comes First.
Start with a review designed to clarify the need, strengthen the file, and identify the right next step.