Practical guides on loan applications, financial ratios, cash flow, and resources — written from the banking side of the desk.
The PFS is a balance sheet for your personal finances. Learn what it contains, why bankers require it, and how to complete one quickly before your loan meeting.
A complete debt schedule shows bankers whether your loan request is affordable alongside existing obligations. Here's what it contains and why it can change the conversation.
Projections don't require a crystal ball — they start from your historic financials. Learn how to build assumptions banks actually find credible.
DSCR is the number bankers check first. Learn what it measures, the formula, and how to calculate yours with a real example.
Goes beyond net income to show the full picture of what a business generates for its owner. Essential for owner-operated businesses.
Making sales isn't enough if you're not collecting on time. Learn how Days Receivable works and how shaving even 5 days can inject thousands into your operation.
Most small business owners pay invoices like personal bills — immediately. That depletes working capital you could use elsewhere. Here's a better approach.
Every hire, price change, and expansion decision shifts your break-even point. Learn the formula and how to use it as a decision-making tool.
Cash, receivables, and inventory tell you how long you can float operations without outside help. Learn the formula, why both too low and too high are problems, and how to find the sweet spot.
The Quick Ratio measures your liquid assets — cash and receivables — against what you owe right now. Learn the formula, why a 1:1 minimum matters, and how to calculate yours with a real example.
Understanding the numbers is one thing — knowing what your banker will think when they see them is another. Interval Consulting works alongside Minnesota small business owners to build financials worth lending to.
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