Financial Analysis

DSCR, FOIR, balance sheets, P&L — the numbers that lenders use to evaluate borrowers.

5 issues

What Is FOIR?

Learn how the Fixed Obligation to Income Ratio helps lenders assess how much of a borrower's income is already committed.

Understand how the Debt Service Coverage Ratio measures whether business cash flow can comfortably service debt obligations.

Learn how lenders compare the loan amount with the assessed value of the underlying property or asset.

Understand the classic lending framework of Character, Capacity, Capital, Collateral and Conditions.

Learn what lenders look for in account activity, cash flow, balances, repayment behaviour and transaction patterns.