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Done for you in 10 minutes.
Receive a comprehensive financial analysis that evaluates your borrowing capacity, debt serviceability, and likelihood of loan approval. This study provides a clear assessment of your financial readiness, potential lender risks, and concrete ways to strengthen your application.
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Securing a major loan—whether to expand your business, purchase commercial real estate, or fund a significant project—can feel like stepping into a high-stakes exam where the grading criteria are kept secret. A Loan Feasibility and Debt Capacity Study is your ultimate cheat sheet, translating how commercial lenders view your financial health before you submit a formal application. You need this study when you are planning your next growth phase and want to avoid the costly, time-consuming sting of a loan rejection. A truly excellent study does not just run basic calculators; it stress-tests your cash flow against realistic economic downturns, evaluates your Debt Service Coverage Ratio (DSCR) under various interest rate scenarios, and pinpoints the exact risk factors a credit committee will flag. By addressing these weak spots early, you transform your financial profile from a question mark into an undeniable, low-risk opportunity for potential lenders, giving you the leverage to negotiate better terms and secure the funding you need.
Most commercial lenders require a minimum Debt Service Coverage Ratio of 1.25, meaning your net operating income covers your debt obligations by 125 percent. Ratios below 1.20 are generally flagged as high-risk, while ratios above 1.50 place you in a strong position to secure competitive interest rates.
A basic loan calculator only computes raw monthly payments based on user-inputted numbers. A feasibility study stress-tests those payments against your actual historical cash flow, assesses lender-specific risk parameters, and identifies structural balance sheet adjustments needed for approval.
Yes, lenders frequently look at global cash flow, which combines your personal income and assets with those of your business. Providing personal guarantees or pledging personal real estate can offset a business cash flow deficit and increase your overall borrowing limit.
You need to gather three years of federal tax returns, current year-to-date financial statements including your balance sheet and profit and loss statement, and any existing debt schedules. If the loan is for a specific real estate purchase, you must also provide the property's current rent roll and expense history.
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