Most working capital problems are structural, not sanction problems. How to size the real gap, split it into permanent, seasonal and transaction layers, and match each to the right instrument.
Your relationship manager does not approve your loan. A credit officer you will never meet does, using DSCR, drawing power, tangible net worth and your bank conduct. Here is how to prepare for that as
A valuation is not a score. It is a commitment you have agreed to grow into, and the terms sitting around the headline number decide what happens if you fall short.
