One document stating where the business stands and what would have to be true for capital to go in. It reaches a verdict rather than leaving the reader to form one.
The deliverable
Where the business stands, what it can carry, and what would have to be addressed before capital moves. One page, read the same way by an owner and a lender.
Summary and verdict
Sample formatReadiness verdict
Financeable, once the conditions below are met.
Cash generated, last 12 months
Weakest month marked
What it can carry
Sample layout. No client figures are shown.
The period reviewed is set by the business and what the financing is for, not by a fixed template.
The verdict
Financeable, financeable on conditions, or not in the current position.
Cash position and operating cash flow
What the business generated, with owner and related party movement separated.
Working capital
Receivables, payables, inventory, and the gap the business funds.
Debt and obligations
Loans, leases, arrears and suppliers, with terms and where each ranks.
What the financing is for
The use of funds, sized against the gap we measured.
Affordability
What the business can service through a normal year, not a good one.
Conditions
What a lender would reasonably attach, set out before they attach it.
Confirmed, and still open
Figures tied to source documents. Anything that could not be is disclosed.
The Review is the starting point. The work continues until the money is in.
Cash flow and debt capacity analysis
Lender and investor materials
Financial modelling
Due diligence support
Management support through the financing process