How to walk into the bank with a lender-ready loan package

Most small-business loan applications don’t fail because the business is bad. They fail because the package is incomplete, the numbers don’t reconcile, or nobody showed the lender whether the loan can still be repaid when things go wrong. Lenders ask for the same things every time — so a tool can prepare them.

Every country checks something different

• United States: lenders look at debt service coverage — can the business’s cash flow carry the new payment — and often at the owner’s global cash flow too.
• Germany: banks assess Kapitaldienstfähigkeit — the capacity to service debt from operating results — and expect a BWA and a clear plan.
• United Kingdom: lenders look at debt service cover and, for smaller loans, the owner’s personal income and expenditure.

Rigyx keeps a profile per country with each rule and its source, and applies the one that matches where you are borrowing.

What Rigyx prepares

1. 1
   A checklist built from your data

   It shows what is already there, what it can derive from your books, what only you can provide, and what is out of date.
2. 2
   Capacity and stress tests

   It calculates repayment capacity against the lender’s line, then asks the lender’s questions: what if rates rise, revenue drops 10%, or you lose your largest customer? You see which scenarios hold and which break — before the bank does.
3. 3
   A month-by-month projection

   Cash at the end of every month with the new loan included, and the lowest point clearly marked.
4. 4
   A self-review

   The package is checked against the lender’s requirements before you see the final version, and every gap is listed with the fix.

The loan package lives under Financials → Loan package and is part of the Growth plan.