How DO I GET QUALIFIED FOR FINANCING

Business debt analysis is also referred to as a debt capacity. Debt capacity is simply the amount of debt a business can absorb and remain profitable. The process of understanding debt capacity allows a business owner or management team effectively plan and scale a business using debt or equity, or both to fund that growth. 

When considering financing of any kind the majority of lenders will consider the existing schedule of debt to assess the health of the business, the ability for the business to repay future debt, and the likelihood the business as a going concern-which means will it stay in business. Investors and advisors also tend to look at the debt capacity for similar reasons as a bank. However, an investor will seek to understand the ability of the business to generate a profit and pay distributions in the future.

SpotOn Financial can help you understand the debt capacity of your business which can help you understand several key points: Your lending capacity, the health of your business, the value of your business, and ultimately when included with a business plan  your business debt analysis can help you determine what debt to take on and how to leverage it to grow you business. 

Our process for a debt analysis begins with an initial meeting and during that meeting we will define the scope of work and any additional reports you wish to add or need to review. 

Next we will provide an oral quote and timeline for services to for consideration.

Finally we will request the appropriate financial documentation and will provide a complete debt analysis and deliver the report within the agreement period. 

SpotOn Financial has an extensive network of commercial attorneys, financial advisors, and CPA's that are experts and licensed professionals. With this network of resources SpotOn Finanical provides the expertise and know how to plan your brighter future of tomorrow, today!