WHY

Short termProject FinancingIntangible financingAnticipation of the decrease in net book assetsTurnaroundPreparation of a Due DiligenceManagement reportApply for a grant or subsidyI don't know

Debit ratio calculator

How to calculate the debit capacity of a company in order to validate the financing strategy?

Equity (amount of share capital on balance sheet )

Financing needs

Outstanding loans

Debt capacity

DETAILS AND CALCULATION OF FINANCING NEEDS

Details of the composition of the share capital
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Partner 1

Partner 2

Partner 3

Details of the costs of incorporation

Lawyer's fees

Accountant's fees

Online platform fee

Total fees

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Details of the acquisition of the business or the commercial lease

Security deposit

Rent advance

Total

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Details of the work and improvements

Rehabilitation

Stock

Store renovation

Furniture

Miscellaneous improvements

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Details of equipment investments

Office equipment

Computer equipment

Activity-specific equipment

Total investments

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Detail of the stock

Inventory write-back at the inventory date

Working capital

Total stock

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Working capital requirement

TOTAL FINANCING REQUIREMENTS

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Impossible to determine and need assistance
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The calculation for a company

1st method: cash flow Some banks calculate the cash flow of the company:
MBA: net income of the company "Amount" + depreciation and amortization "Amount
In principle, the MBA must be able to pay the company's debts for at least one year and the debt must not exceed four years.

2nd method: the debt ratio of a company
It is also possible to use the company's debt ratio to determine its ability to take out a new loan. In this case, the formula for calculating the debt ratio of a company is :
Debt-to-equity ratio: (total debt" Amount "/ equity" Amount) x 100.

3rd method: the company's debt ratio
To go further, some people also calculate the company's debt ratio by taking into account only the financial debts:
Debt-to-equity ratio: (financial debts "Amount" / equity "Amount") x 100.

RESOURCES

Free contribution: intangible capital I want to value my contribution
Contribution of the partners

Grants

Send contract for grant

Professional loans

Send loan contract

CALCULATOR OF FUNDING NEEDS

The calculation of the financing needs is mainly based on the following elements :
Company formation costs and, if applicable, contributions to the share capital;
Product and service development;
Search for a place and fitting out work ;
Material investments (furniture, computer equipment, tools, etc.) ;
If applicable, stock ;
Working capital requirements (also known as WCR), i.e. the sums needed to pay the company's current expenses (payment of salaries, rent, suppliers, etc.).

The most important investment items include

Replacement of existing equipment;
Acquisition of new tangible assets (new machines, etc.) and intangible assets (patent, brand, etc.);
Investment in research and development of new products and services.

The debt ratio is therefore : receive the answer OR receive a table to calculate alone .

Calculation of your ratios to prepare your financial file with your "trusted third party".

Do you need a guarantee : after the analysis of the flows, the bank or the lender will ask for a guarantee and we can assist you

Do you have a financing request to make:
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