Tools, not calculators.
Three instruments for the questions that decide whether capital helps or hurts. Each states its assumptions, shows its arithmetic, and tells you what it cannot answer.
The three instruments
Cost of Capital
A factor rate is not an interest rate. Set the terms you have been quoted and read the annualised cost, next to what ordinary commercial credit costs for the same money.
Capacity
Debt service coverage against the ratio a lender actually underwrites to, and the largest facility that still clears it.
The Network
Owners, operators, investors, lenders and commercial property, and what moves between them. Capital, credit, relationships and property are connected.
We look at the business before we look at products.
Discuss what thenumbers showed.
If an instrument raised a question worth answering properly, that is the conversation to have. Thirty minutes, no documents.