Business8 min read·Updated 19 May 2026
What a credit committee actually looks at
A lender wants to understand repayment capacity, not just a polished forecast. These are the signals that usually matter most.
Cash generation first
Revenue is important, but recurring cash generation and the timing of collections show whether debt service can be met in ordinary months.
The quality of the plan
A clear forecast with explicit assumptions is more useful than optimistic precision. Explain what happens if the plan runs late.
The relationship matters
Good reporting, prompt updates and a realistic request help a lender understand the business and respond when conditions change.