Financeability Pack

What a lender will see before they say so. Cash cycle, working capital gap, debt service coverage — and which single dimension is holding the file back.

Trading

Annual revenue (USD) Annual EBITDA (USD) Earnings before interest, tax, depreciation and amortisation.

Largest customer, share of revenue (%)

The cash cycle

Debtor days (DSO) Invoice to payment received. Creditor days (DPO) How long your own suppliers give you.

Duty float days Duty paid on arrival to the customer settling it. This is the piece a generic cash cycle misses, and usually the piece that hurts most.

Debt & assets

Annual debt service (USD) Principal plus interest across all facilities. Average fleet age (years)

What you can already produce

Audited accounts, two years Usually mandatory Management accounts, current year to date Usually mandatory Asset register with valuations Required for asset finance All licences and tax compliance current Screening condition