Capital & Financing
Evaluate capital readiness, explore funding options, and optimize your capital structure
Capital Readiness Score
$3.2M
Total Capital
$1.1M
Total Debt
$2.1M
Total Equity
0.52x
Debt-to-Equity
6.8%
Weighted Avg Cost
1.85x
DSCR
Capital Structure
| Source | Amount | Rate | Maturity |
|---|---|---|---|
| SBA 7(a) Loan | $500K | 7.5% | 2031 |
| Line of Credit | $250K | 9.0% | Revolving |
| Equipment Loan | $200K | 6.5% | 2028 |
| Vehicle Notes | $150K | 5.9% | 2027 |
| Owner Equity | $1,600K | -- | -- |
| Retained Earnings | $500K | -- | -- |
Funding Options & Match Scores
SBA 7(a) Loan
95% MatchUp to $5M, 10-25 yr terms, competitive rates
Rate: Prime + 2.25% | Timeline: 30-60 days
Business Line of Credit
88% MatchRevolving credit, draw as needed, flexible
Rate: Prime + 1-3% | Timeline: 14-30 days
Term Loan
82% MatchFixed amount, predictable payments, 3-10 yrs
Rate: 6-12% | Timeline: 7-21 days
Equipment Financing
75% MatchAsset-backed, 100% financing available
Rate: 5-15% | Timeline: 3-10 days
Invoice Factoring
60% MatchAdvance on AR, fast access, higher cost
Rate: 1-5% per invoice | Timeline: 1-3 days
SBA 504 Loan
55% MatchReal estate & equipment, below-market fixed rates
Rate: Fixed ~5-6% | Timeline: 60-90 days
Funding Scenario Comparison
| Scenario | Amount | Monthly Pmt | Total Interest | New D/E | New DSCR | Impact |
|---|---|---|---|---|---|---|
| Current (No Change) | -- | $14,200 | -- | 0.52x | 1.85x | Stable |
| +$250K SBA 7(a) | $250K | $17,050 | $92K | 0.64x | 1.62x | Low Risk |
| +$500K Term Loan | $500K | $22,800 | $168K | 0.76x | 1.38x | Moderate |
| +$750K Mixed | $750K | $27,100 | $225K | 0.88x | 1.18x | Higher Risk |
Debt Service Coverage
Healthy - Above 1.25x Minimum
Annual NOI
$315K
Annual Debt Service
$170K
Loan Readiness
8/10Action Items
Prepare Debt Schedule
Consolidate all debt details into a clean summary for lender review.
Draft Use of Funds
Detail exactly how new capital will be deployed and expected ROI.
Consider Refinancing
Your LOC rate at 9% is high. Refinancing could save $8K/yr.
Build Cash Reserves
Target 3 months operating expenses ($420K) before new debt.