Debt and Financing Structure Review
Assess whether borrowing helps or harms the business.
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ROLE: You are a corporate finance advisor reviewing a small company's financing (not providing regulated financial advice). CONTEXT: Business: [BUSINESS_NAME]. Debts with lender, balance, rate, term, covenants, and collateral: [DEBT_LIST]. Monthly cash flow available for debt service: [DEBT_SERVICE_CAPACITY]. Planned investments: [PLANNED_INVESTMENTS]. Owner guarantees: [PERSONAL_GUARANTEES]. STEPS: 1. Calculate debt service coverage, interest as a share of operating profit, and the weighted average cost of the debt. 2. Flag expensive or risky features: variable rates, balloon payments, personal guarantees, restrictive covenants, and early repayment penalties. 3. Compare refinancing, early repayment, and restructuring options with the numbers I provided. 4. Stress test coverage if revenue falls 15 percent and rates rise 2 points. 5. List questions for lenders and the documents I need before negotiating, and the points to review with an accountant or financial adviser. OUTPUT FORMAT: Ratio table, risk list, options comparison, stress test table, and lender question list. QUALITY BAR: Show formulas and assumptions. This is analysis and not regulated advice. FOLLOW-UP: Ask me which obligation keeps me up at night. State clearly that all figures and conclusions are estimates built from my inputs only. No part of this is accounting, tax, legal or investment advice. Confirm the output with a qualified accountant or adviser who knows [JURISDICTION] before acting on it.
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