Lenders and brokers · PDF scorecard

Deal Prequal Scorecard

Twenty questions across four tests, real, placed, paid and recovered, for equipment and commercial deals. Grade each one Green, Yellow or Red, and let the rules decide whether it moves forward.

  • Five knockouts to ask in the first five minutes
  • Twenty questions with a strong answer and a red flag for each
  • Scoring rules and the documents a lender will ask for
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what it leads to

When the document doesn't settle it: Business Lending

This is the same material we work from on paid engagements. When your answers raise more questions than they settle, that is where Business Lending starts.

More for Lenders and brokers

Drawing: the graded deal package An equipment schedule lists each item with its asset class and useful life. Each deal is graded on four tests: real, placed, paid and recovered. A curve shows the loan balance against resale value over the term. Together they form a deal package that goes to a credit decision a person makes. Summit Logic Graded deal package Dwg SL-0007 Sheet 1 of 1 Rev A Illustrative 1 Equipment schedule Item Class Life Machinery Core Short Vehicles Rolling Long Installed plant Fixed Long Software, soft costs Core Short 2 Four tests Real Asset, vendor, date Placed Site, landlord, install Paid Cash flow, debt Recovered Resale, guarantee Open 3 Recovery Long-life equipment Loan balance Resale value Term Deal package Schedule and quotes Four tests, with evidence Model and recovery curve Gaps named for the borrower Committee Your decision
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