Covers
- The model and forecast behind the request
- Add-backs with their supporting documents
- Debt service coverage and covenant headroom
- The package the lender or investor reads
Strategic Advisory
The credit committee has questions the package does not answer
A refinancing, an acquisition loan or a growth raise stalls when the model does not tie to the statements, the add-backs have no support, or nobody has shown how the business covers its debt.
Book a callWhat's included
- Operating model and forecast tied to the historical statements
- Add-back schedule with the support a credit or investment committee will ask for
- Debt service coverage and covenant analysis against the proposed terms
- A 13-week cash view for the lender engagement
- Customer concentration analysis
- Lender or investor package ordered the way the reader works through it
How it runs
How it's priced: Fixed-fee project
Read the engagement like the lender
We review the statements, the add-backs and the proposed terms the way a credit committee or investor would.
Build the model and the support
We tie the forecast to history, document each add-back, and run coverage and covenants against the terms.
Assemble the package
We put the model, the cash view and the supporting schedules in the order the reader will open them.
How we keep you updated
- A written status note every week, and a call when something needs one
- You review the draft before anyone else sees it
- A call before findings are shared
- Findings that affect price come with one clear recommendation
What it covers, and what it does not
Does not cover
- Arranging the loan or running the raise: you and your financing advisors
- What the business is worth: a valuation firm
- Legal terms of the facility or the investment: your counsel
What you receive
The model
Operating model and forecast, tied to the historical statements, with every assumption written down.
The support pack
Add-back schedule, coverage and covenant analysis and the 13-week cash view, each traced to source documents.
The package
The lender or investor pack, ordered the way the reader works through it.
Who it's for
At B. Riley I built liquidity models, 13-week cash flows and lender reporting for businesses under covenant pressure. I build the package and the numbers behind it. You and your advisors run the loan or the raise.
Sushil Krishnan (Soosh), Founder
Questions we get
Do you arrange the loan or the raise?
No. You and your advisors run the process and the relationships. We build the model, the support and the package they rely on.
Is this for startups?
Seed to Series B founders raising equity should look at Founder Finance Readiness. This service is for operating businesses refinancing, borrowing to fund an acquisition, or raising growth equity.
Ready to talk through the engagement
A short intro call to see if this is the right work.