Assumptions shown · Demo data
Debt service on both figures
Minimum in this draft scenario is 1.25x for an acquisition. Missing reserves are not treated as approval.
- Proposed loan
- $1,850,000.00
- Rate and term
- 10.50% · 120 months
- Capex reserve
- $25,000.00 · supplied in the demo
- Income tax reserve
- $0.00 · not supplied
- Stated coverage
- 1.79x · cannot be reproduced
- Report EBITDA, loan on file
- 1.42x · above 1.25x
- Traced EBITDA, loan on file
- 1.18x · below 1.25x
- Supportable loan on traced
- Lower than proposed · gap remains
ESOP and cooperative minimums, and whether capex or tax reserves belong in cash flow available for debt service, are lender and counsel decisions. This is not a pass and not a loan sizing recommendation.