RivetRatio · Borrower preparation
Organize your business cash flow.
For U.S. small-business owners: organize revenue, operating costs, existing debt payments, and the context behind cash-flow changes before speaking with a commercial lender.
For business operations. Property income and CRE analysis have separate tools.
Set the context
Use the selected period for every amount. Changing it does not convert entries.
Business revenue
Money received from the business during the period.
Operating costs
Business costs for the same period, before existing debt payments.
Existing debt payments
Payments on current business loans, lines of credit, or other debt.
Explain what changed
Note timing, one-time events, or other context you want to discuss.
Use the print review to bring your entries and notes to the conversation.
Add a valid amount in each section to calculate the borrower-preparation figure.
RivetRatio · Borrower preparation
Small-business cash-flow worksheet
Business revenue
- Revenue source 1
- Not entered
Business revenue totalNot calculated
Operating costs
- Operating cost 1
- Not entered
Operating costs totalNot calculated
Existing debt payments
- Debt payment 1
- Not entered
Existing debt payments totalNot calculated
Notes about cash-flow changes
No notes entered.
These are borrower-preparation figures only. They are not a lender decision, an eligibility result, or a promise of approval. The figures reflect only the entries provided in this worksheet.