Credit term sheet structuring

Run this when the deal is a credit facility or capital product. Underwrite first, structure inside approval bands, and sequence internal consensus before the borrower ever sees terms.

Inputs

The borrower's cash-flow picture and capital need, the facility size and use of funds, the underwriting checklist, your approval bands, and the founder, CFO, and lender-side owners.

Discover cash flow like an underwriter

Inflows, burn or seasonality, existing facilities, and what the new capital unlocks. Every number is FACT with a source or UNKNOWN until the statements arrive.

Structure inside approval bands

Size, tenor, pricing, covenants, and collateral shaped to the risk you found. If the ask exceeds the band, say so early with what would need to change.

Draft the sheet in plain terms

Economics, conditions precedent, key covenants, and the path from sheet to docs to funding — commercial truth the founder and CFO can sign. Legal language waits for counsel. Label the term_state drafting while you write.

Sell consensus inside your own house first

Risk, ops, and exec each get the sheet with the risks named, not hidden. An internal no after a founder yes is the failure mode, so sequence risk before the founder sees terms. The sheet stays term_state in review until every internal owner signs off, then approved.

Run the months-long cycle with dated patience

Founder, CFO, and co-lender steps each carry a date and an owner. A quiet month gets a dated check-in, never a surprise expiry.

Hand off to docs and funding

The signed sheet (term_state signed) goes with the conditions checklist attached: each condition precedent has an owner and a date, and funding waits on all of them.

Output

Cash-flow read with sourced numbers, an offer inside approval bands, a plain-terms sheet draft, internal consensus log, and a dated cycle tracker through funding.

Fallbacks

No financials yet: record the founder's stated numbers as claims, each attributed to them, and leave the number itself UNKNOWN until the statements arrive — the rule above does not bend because the statements are late. List exactly which statements close the gap. No approval bands on file: ask for them before any structure is shown.

Approval gate

Nothing goes to the borrower and no size, price, or term is promised without your explicit yes.