Understand your company's financial strengths, repayment capacity and credit risks before your next lending discussion.

I am Dragomir, an SME and corporate credit risk analyst with banking experience. I turn supplied financial statements into a concise, evidence-based credit memo, separating supported findings from assumptions and missing information.

WHAT YOU RECEIVE FOR EUR 90
- Analysis of one non-financial operating company, covering up to two annual reporting periods in one currency.
- Review of revenue, profitability, liquidity, leverage and working capital.
- Repayment-capacity assessment using available cash flow and debt information; DSCR where the necessary debt-service data is provided.
- Key strengths, risks, information gaps and practical follow-up questions.
- A 3-5 page English credit memo in PDF and editable Word, plus an Excel summary of the ratios calculated.
- Delivery within 5 days after order acceptance with complete agreed inputs.
- One consolidated revision to clarify findings or correct issues within the original scope, requested within 7 days of delivery.

HOW IT WORKS
Send your financial statements, debt schedule and purpose of the review. I check the inputs, calculate relevant ratios, assess trends and prepare the memo. Missing information is identified explicitly; figures and conclusions are not invented.

WHAT TO PROVIDE
Balance sheet and profit and loss statements for up to two years, cash-flow statements if available, debt balances and annual principal/interest payments, a brief company description and any proposed loan terms. Excel or searchable PDF is preferred. Redacted documents are welcome; share only information you are authorized to disclose.

SCOPE LIMITS
This starter service is historical financial and credit analysis, not a complete bank underwriting file. It excludes projections, valuation, legal-document review, independent collateral appraisal, external credit-bureau access, tax advice, audit or assurance, and lender submission. Multi-entity groups, property development, syndicated facilities and specialist sectors require a separately agreed scope before ordering. New data, additional entities or a changed brief are additional work, not revisions.

The memo provides analytical support, not a bank approval, official credit rating or guarantee of financing. Lending and investment decisions remain with the client and lender.

Please message me through ComeUp before ordering if your case is complex or you need a specific bank template.

GALLERY NOTE
The gallery is a fictional portfolio example of a broader underwriting assignment, not an actual client or lending approval. Stress testing, industry benchmarking and covenant design illustrated there are not included in the EUR 90 starter scope; any expanded work must be agreed separately.