In-depth evaluations of commercial debt, personal loan APRs, SBA 7(a) financing, and liquidity management.
Mathematical cost-of-capital comparison between SBA 7(a) government-backed borrowing and bank asset-based revolving credit facilities.
Underwriting criteria for commercial real estate debt, Debt Service Coverage Ratios (DSCR >= 1.25x), debt yields, and interest rate cap reserves.
Comprehensive credit analysis of commercial refinancing hurdles, debt service coverage ratios (DSCR), debt yields, and interest rate cap hedging strategies.
A capital cost comparison between SBA 504 fixed-rate debentures and SBA 7(a) floating-rate facilities for commercial real estate acquisition.
A financial comparison of Fair Market Value (FMV) leases, $1 Buyout capital leases, Section 179 tax shields, and effective borrowing rates.
A technical guide to Asset-Based Lending (ABL) borrowing base certificates, dilution reserves, and advance rates across inventory and receivables.
Financial modeling of mezzanine debt tranches, contractual subordination, Payment-in-Kind (PIK) interest schedules, and all-in IRR targets.
A financial guide to sizing commercial construction interest reserves, managing AIA G702/G703 payment certifications, and 10% retainage withholdings.
A commercial treasury review of unsecured bank revolving facilities, 30-day clean-up requirements, leverage covenants, and unused commitment fees.
Comprehensive underwriting guide to USDA Business & Industry (B&I) loans, balance sheet tangible net worth requirements, and debt service coverage bounds.