Institutional Capital Readiness™ · HLP Capital Advisory

◉ PROFILE · 01

Business credit profile.

Dun & Bradstreet PAYDEX, Experian Intelliscore, and Equifax Business are the three most-consulted bureaus by institutional lenders.

Business credit strength

AThin / no business file BDeveloping (PAYDEX < 70) CGood (PAYDEX 70-80) DStrong (PAYDEX 80+) ?Not sure — need to pull

◉ PROFILE · 02

Personal guarantor profile.

For businesses under $10M revenue, personal guarantors typically underwrite alongside the entity. FICO band drives credit-committee thresholds.

Primary guarantor's approximate FICO

ABelow 620 (thin band) B620–679 (SBA min tier) C680–719 (bank LOC) D720–759 (prime) E760+ (private bank ready)

◉ FINANCIALS · 01

Annual revenue.

Revenue band drives capital-category eligibility more than any single input. Trailing-12-month is what lenders use.

Trailing 12-month gross revenue

◉ FINANCIALS · 02

Annual EBITDA.

EBITDA (Earnings Before Interest, Tax, Depreciation, Amortization) is the primary metric for term loans, SBA underwriting, and private-credit lenders.

Trailing 12-month EBITDA (approx.)

◉ FINANCIALS · 03

Operating cash flow.

Different from EBITDA — actual cash into and out of the operating account, month over month.

Operating cash-flow consistency

AVolatile / seasonal swings BStable but tight CStrong & predictable DGrowing consistently

◉ FINANCIALS · 04

Debt-service coverage ratio.

DSCR = Net Operating Income ÷ Annual Debt Service. Most institutional lenders want 1.25×+ minimum. Real estate DSCR loans require 1.20×+.

Current DSCR (best estimate)

✗Below 1.0 (negative coverage) A1.0 – 1.25× B1.25 – 1.50× C1.50 – 2.00× D2.0×+ ?Not calculated

◉ FINANCIALS · 05

Existing debt schedule.

Total business debt outstanding, including SBA, LOC drawn, equipment finance, real estate mortgages, and PGs.

Total business debt

Facility mix · quick description

◉ ASSETS · 01

Available collateral.

Real estate, equipment, and other fixed assets that could secure institutional facilities. Unencumbered is what matters.

Unencumbered collateral (value)

◉ ASSETS · 02

Accounts receivable.

A/R quality and aging determine access to invoice finance and A/R lines-of-credit.

Typical outstanding A/R

◉ ASSETS · 03

Inventory on hand.

Inventory can back inventory-finance and asset-based lending facilities. Type matters: perishable vs. non-perishable, commodity vs. specialty.

Inventory position

0Service business — no inventory AUnder $100K B$100K – $500K C$500K – $2M D$2M+

◉ RECORDS · 01

Bank statement quality.

6-month bank statement analysis is table-stakes for revenue-based finance, invoice finance, and non-bank lenders. Consistency and average daily balance matter.

Statement quality

AFrequent NSFs / overdrafts BFair — occasional overdrafts CClean — 6 months no issues DStrong ADB · consistent

◉ RECORDS · 02

Business tax returns.

Institutional lenders request 2-3 years of business tax returns. Under-reported revenue for tax purposes limits capital access — the classic small-business tradeoff.

Business tax return posture

AUnder-reported (tax-minimized) BSome add-backs available CClean · full revenue captured ?Less than 2 years filed

◉ RECORDS · 03

Financial statements.

CPA-prepared P&L, balance sheet, and cash-flow statement. Reviewed or audited statements open access to institutional and private-credit tiers.

Financial statement quality

AInternal only (QBO / self-prep) BCPA compiled CCPA reviewed DAudited

◉ LEGAL · 01

Existing liens.

Tax liens, judgment liens, mechanic's liens. Institutional underwriting flags anything unresolved.

Lien status

✓None ◐Historical · all resolved ◑Active with payment plan ✗Active · unresolved

◉ LEGAL · 02

UCC filings.

Existing UCC-1 filings restrict which lenders will offer secured facilities. Blanket liens especially block ABL and A/R facilities.

UCC filing status

✓No UCCs on file ◐Equipment-specific only ◑Blanket lien in place ?Not sure — need lookup

◉ STRUCTURE · 01

Ownership structure.

SBA loans require < 25 owners with clean personal-guarantee capacity. Equity capital cares about cap-table cleanliness.

Ownership

ASole owner (100%) B2-partner (each > 20%) C3-5 partners DWidely-held / cap table

◉ STRUCTURE · 02

Industry category.

Some industries face categorical restrictions from banks (cannabis, adult, MSB, crypto). Others are lender favorites.

Industry category

AProfessional services BTrades / construction CRetail / consumer DTech / SaaS EManufacturing / distribution FReal estate GHealthcare / medical ✗Restricted (cannabis / MSB / adult)

◉ STRUCTURE · 03

Time in business.

Most bank facilities require 2+ years. SBA requires 2+ years (with rare exceptions). Revenue-based finance often accepts 6+ months.

Years operating

◉ STRUCTURE · 04

Customer concentration.

Any single customer > 20% of revenue triggers underwriter caution. Above 40% is a hard block for most bank facilities.

Largest single customer % of revenue

✓Under 10% (diversified) A10 – 20% B20 – 40% (caution zone) ✗40%+ (concentration risk)

◉ CAPITAL · 01

Working capital & capital purpose.

The final layer: your working-capital cycle and what the capital is actually for. Different purposes match different capital categories.

Working-capital cycle (days between cash out and cash in)

AUnder 30 days (tight) B30 – 60 days (normal) C60 – 120 days (extended) D120+ days (project-based)

Primary capital purpose

AWorking capital / bridge BEquipment purchase CCommercial real estate DExpansion / hiring EAcquisition FRefinance existing debt GEquity / growth capital

Delivery — where do we send your Report?

I understand this is a coordination diagnostic, not a loan application. HLP does not underwrite or originate loans. Privacy Policy.

◉ CLASSIFYING

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TIER PENDING

Your Institutional Capital Readiness score is being classified across 13 capital categories.

◉ CAPITAL CATEGORY MATCH SCORING

DELIVERABLE

Full Institutional Capital Readiness Report™ arrives in 48 hours

Chekelah's Capital Advisory team reviews every submission personally. Report includes: full 13-category match matrix, coordination brief for your top 3 categories, professional-team introductions where warranted (SBA prep specialists · private-credit brokers · IB coverage · CRE mortgage), and a lender-package pre-diligence checklist so you walk into every conversation prepared.

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