Focused financial review
Repayment Capacity Review
A focused examination of sustainable cash generation, existing debt, seasonality and the proposed instalment curve.
When capacity needs a closer look
This mandate suits applications where affordability is the central question: volatile monthly receipts, recent expansion, a material balloon, thin headroom or management accounts that require normalisation.
We bridge reported profit to cash available for debt service, map existing instalments and test the proposed obligation against a supportable trading case. Where records allow, we examine peak and trough months rather than relying on a single annual ratio.
Deliverable
The short-form report records normalisation adjustments, debt commitments, base and stressed cover, key sensitivities and any evidence limitations. It does not include asset valuation, supplier verification or a full fraud review.
Fees begin at R9,500 excluding VAT for a single operating entity. Ask us to scope the financial pack.