⚠️ Published CDR catalogue data only.
Rates and limits from the CDR Business Lending Registry (checked 2026-11-11).
Not personalised quotes. Eligibility confirmation required before reliance.
This tool is a screening aid — not credit advice.
💼 Deal Structure
📊 Normalised Cash Flow
Enter EBITDA and deductions — normalised NCF will show here.
ℹ️ This figure is used directly for DSCR calculations. Ensure management replacement, tax, capex and working capital needs are already deducted before entering here.
🛡️ Risk Factors & Security
📐
No deal inputs yet
Enter your deal parameters in Deal Inputs first, then run the analysis.
🧮 Deal Summary
Total Capital Required
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PP + costs + opening WC
Equity + Vendor Finance
—
Acquisition Debt Needed
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Residual funding gap
Normalised Annual NCF
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Pre-debt service
⚖️ Acquisition Debt Capacity (by DSCR)
North Face Assumption
DSCR = Annual NCF ÷ Annual Debt Service (P+I). "Supported" = DSCR ≥ threshold. 5-year fully-amortising term assumed for all capacity calculations.
DSCR = Annual NCF ÷ Annual Debt Service (P+I). "Supported" = DSCR ≥ threshold. 5-year fully-amortising term assumed for all capacity calculations.
| DSCR Threshold | Max Annual Service | Max Debt @ 8% | Max Debt @ 10% | Max Debt @ 12% | vs Required Debt |
|---|
📅 Monthly Repayment Scenarios
Published Rates (CDR)
Published rate range from matched lenders: —
Published rate range from matched lenders: —
North Face Scenario Rates
8% / 10% / 12% p.a. — illustrative acquisition finance scenarios. Not personalised quotes. 5-year fully-amortising assumed. Use as a sizing guide only.
8% / 10% / 12% p.a. — illustrative acquisition finance scenarios. Not personalised quotes. 5-year fully-amortising assumed. Use as a sizing guide only.
| Debt Amount | Monthly @ 8% | Monthly @ 10% | Monthly @ 12% | Annual (@ 10%) | DSCR @ 10% |
|---|
📉 Downside Case — 25% Revenue Reduction
North Face Stress Test
Applies 25% reduction to normalised NCF. Conservative — assumes costs don't flex proportionally. Sensitivity only, not a forecast.
Applies 25% reduction to normalised NCF. Conservative — assumes costs don't flex proportionally. Sensitivity only, not a forecast.
🔍
No deal inputs yet
Enter your deal parameters in Deal Inputs first, then run the analysis.
⚠️ Matching is deterministic against published CDR data only.
Labels show how published criteria compare to your inputs — not a creditworthiness assessment.
"Potential fit" means data was insufficient to confirm or exclude; direct lender confirmation required for all products.
Matched Catalogue Products
CDR Business Lending Registry — checked 2026-11-11 · 427 products indexed
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