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.
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