Growing · First step
Bankability check-up: will your plan stand up in front of the bank?
A focused review of financial statements, cash and plan, with a written outcome: what works, what a bank would challenge and what to fix before asking for credit.
“Strategy that ignores cash is just rhetoric.”
Michele Collini · ACCA MemberWho it is for
Is it right for you?
Who it is for
- You need to apply for financing or renegotiate your credit lines.
- You already have a plan or budget and want to know whether it holds up.
- You are growing and want to understand how much debt you can sustain.
Who it is not for
- You want a “cosmetic” business plan to submit without checks.
- You cannot provide financial statements and cash data.
- The business is already under severe strain: in that case you need the Priority cash diagnosis.
What you receive
A written outcome, not a verbal opinion
What you receive
- The indicators a bank looks at (debt service coverage, leverage, working capital), explained in plain language.
- Strengths and weaknesses from a credit analyst’s point of view.
- An indicative estimate of your borrowing capacity.
- A list of actions to complete before you go to the bank.
- A 60-minute feedback call.
Documents required
- Last three years’ financial statements.
- Up-to-date management accounts.
- List of existing loans and credit facilities, with repayment schedules.
- Bank of Italy Central Credit Register report, if available.
- Any plan or budget already prepared.
Not included
Preparation of the full business plan and negotiations with the banks.
How it works
From request to outcome
1
Request
You fill in the form with a few details about your situation.
2
Qualification call
30 minutes to establish whether the diagnosis is the right tool for you.
3
Start
Submission of the required documents.
4
Outcome
Delivery of the written report and a feedback call.
After the diagnosis
If you need to go further
If the check-up shows the need for a full plan or ongoing financial leadership, I will propose the next engagement with a dedicated quote for a business plan or a Part-time CFO.