How to Calculate and Improve Your DSCR (the Number Lenders Want to See) A bank can like your business, respect your story, and still decline the request, all because of one ratio you may never have been shown. Debt service coverage is the number that quietly decides most of these conversations, and once you understand...
12 Red Flags Lenders See in Your Financials (and How to Fix Them Before You Apply) An underwriter reads your financials the way an editor reads a manuscript: looking for the places where the story stops holding together. The good news is that most of those places are visible before you ever apply, and most...
Why Asset-Based Lending Can Fund Companies That Lose Money The Collateral Selection Criterion explains why asset-based lenders underwrite eligible collateral, controls, and the working-capital cycle—not last year’s profit. A lender looks at a company that lost money last year and declines. A second lender looks at the same company and extends an asset-based facility....
Why Credit Is Tightening for Small Businesses — And Which Companies Feel It First Series Context This is the first article in a three-part series on tightening credit conditions and how they affect small and mid-sized businesses. It follows the TLAC Analysis, which explains the regulatory forces shaping bank behavior. This article builds on that...
