Covenant ingests historical financials, spreads them automatically, projects cash flow and debt-service coverage forward, stress-tests the deal the way a credit committee would, and drafts the credit memo — every figure traceable to its source.
Farm & ranch equipment dealer · Stillwater, OK (Payne County)
Grain elevator & feed milling · Perkins, OK
Drop in tax returns and statements. Line items are extracted and classified automatically.
Three years normalized to one chart of accounts with owner add-backs surfaced.
Forward pro forma with live assumptions — DSCR recomputes the instant you tune a driver.
One click applies a credit-committee stress case: add-back haircuts, tax provision, cost escalation.
A lender-ready credit memo and exhibit set, every number traceable to its source.