{ "company_info": { "name": "Kraidit Test Company", "employees": 10, "company_id": "4620816365343934430", "naics_code": "71132", "province_state": "Quebec", "has_subsidiaries": false, "year_established": 2015, "naics_description": "71132 - Promoters of Performing Arts, Sports, and Similar Events without Facilities", "consolidated_statements": false }, "generated_at": "2025-10-17T17:53:06.941559+00:00", "risk_assessment": { "risk_level": "very_high", "risk_score": 80, "key_concerns": [], "key_strengths": [], "market_position": "established", "industry_outlook": "stable", "management_assessment": "experienced" }, "financial_metrics": { "cash_mm": 0.0, "ebitda_mm": 0.0, "revenues_mm": 0.0, "inventory_mm": 0.0, "current_ratio": null, "net_income_mm": 0.0, "current_debt_mm": 0.02217946, "total_assets_mm": 0.0, "net_margin_percent": 0.0, "working_capital_mm": 0.0, "accounts_payable_mm": 0.0, "debt_to_ebitda_ratio": null, "gross_margin_percent": 0.0, "debt_service_coverage": null, "ebitda_margin_percent": 0.0, "accounts_receivable_mm": 0.0 }, "financing_request": { "type": "additional_debt_refinance_current", "use_of_funds": "working_capital", "asset_details": null, "current_debt_mm": 39604.0, "type_description": "C. Ask for additional debt and refinance current debt", "acquisition_details": null, "total_debt_requested_mm": 39606.0, "working_capital_details": { "expected_growth_rate_percent": 5.0 }, "use_of_funds_description": "For working capital only (business activity increasing and requiring higher purchases/inventory/spending)", "additional_amount_requested_mm": 2.0 }, "repayment_capacity": { "ebitda_mm": 0.0, "coverage_ratio": 1.25, "free_cash_flow_mm": 0.0, "maintenance_capex_mm": 0.0, "repayment_feasibility": "challenging", "debt_service_capacity_mm": 0.0 }, "loan_recommendations": { "term_years": 3, "amortization_years": 3, "repayment_schedule": "monthly", "interest_rate_range": "12.0% - 18.0%", "max_debt_capacity_mm": 0.0, "recommended_amount_mm": 0.0, "collateral_requirements": [ "Personal guarantee from principals", "Life insurance on key persons" ], "personal_guarantee_required": true }, "collateral_assessment": { "inventory_mm": 0.0, "advance_rates": { "equipment": "70%", "inventory": "50%", "real_estate": "75%", "accounts_receivable": "80%" }, "fixed_assets_mm": 0.0, "collateral_quality": "good", "accounts_receivable_mm": 0.0, "total_collateral_value_mm": 0.0 }, "use_of_funds_analysis": { "amount_mm": 2.0, "use_category": "working_capital", "growth_rate_percent": 5.0, "working_capital_efficiency": "To be assessed" }, "conditions_and_covenants": { "financial_covenants": { "maximum_debt_to_ebitda": "3.5x", "minimum_working_capital": "$100,000", "minimum_tangible_net_worth": "To be determined", "minimum_debt_service_coverage": "1.25x" }, "conditions_precedent": [ "Satisfactory due diligence", "Legal documentation", "Insurance verification", "Environmental assessment (if applicable)" ], "operational_covenants": [ "Maintain business operations", "Maintain insurance coverage", "No material changes without consent", "Maintain key management" ], "reporting_requirements": [ "Monthly financial statements", "Annual audited financials", "Annual budget and projections", "Compliance certificates" ] } }