DebtDecisionIndex analyzes 7 critical financial risk factors to tell you whether taking on new debt — or refinancing existing debt — is safe, risky, or dangerous for your business.
Banks approve loans based on their risk. DebtDecisionIndex calculates yours — giving you the same clarity before you commit to years of repayment obligations.
Revenue, expenses, existing debt obligations, and proposed loan terms.
We stress-test each risk dimension against your actual numbers.
Safe, Risky, or Dangerous — with the specific factors driving your score.
Most business owners only see the monthly payment. We show you everything the payment hides.
Can your actual cash flows sustain the loan payments without straining operations?
How tight is the gap between inflows and outflows when debt servicing is added?
Is revenue predictable enough to commit to fixed obligations over the loan term?
What percentage of revenue is already committed to existing debt obligations?
How reliant is the business on a single lender — and what happens if that relationship changes?
How vulnerable is the business to rate hikes if variable-rate debt is involved?
At what debt level does the business lose the ability to recover — and how close is it?
Composite Debt Decision Index score combining all 7 factors into one clear verdict.
Get a plain-English risk verdict on whether your next debt move is safe, risky, or dangerous, with the seven pressure points that drive the decision.
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