Leverage / base / 6 to 12 months
The business has available debt capacity it's not using while cash is getting tight.
This is a conservative threshold for small, asset-light businesses with limited collateral. Larger companies routinely operate at [redacted]x to [redacted]x D/E. The [redacted]x ceiling reflects the risk profile of founder-led businesses under $[redacted]M.
Exact thresholds, formulas, and severity bands are omitted from this public view. The full methodology, with every figure, is available in the authenticated app.
If cash continues eroding without a credit facility review, the business may miss the window to secure favorable terms — lenders price risk on trailing performance, not future plans.
The exact thresholds, the formula, and your own figures are in the authenticated app. See it against a real, simulated dataset for Integra Executive Services, our public demo company, or connect your own QuickBooks Online account.