Underwriter math
The ratios a credit analyst computes, computed first
Founders submit plans; banks compute ratios. Venturelly renders the lender's own arithmetic — debt service coverage, the amortisation schedule, coverage against the threshold in force, working-capital cycle — and tells you where you stand before an underwriter works it out for you.
DSCR, coverage, current ratio, debt-to-equity, owner compensation by year.