SME Cashflow Analysis
💼 SME Commercial Analysis Dashboard
Currently analyzing cash patterns from: SME_Sample_Statement.csv
Debt Service Coverage (DSCR)
3.14x
✔ Strong Coverage
Avg Monthly Inflow
NPR 278930
Monthly Receipts
Operating Margin
25.91%
Healthy Margin
Cumulative Surplus
NPR 289125
Net Retained Cash
📈 Monthly Revenue vs Expense Cash Trend
💡 Commercial Underwriting Check
Debt Service Capability (DSCR)
A DSCR of 3.14x indicates the company makes 3.14 times its debt installment obligation in free cash. Bankers target DSCR > 1.25x.
Revenue Seasonality
Revenue patterns appear consistent and highly profitable.
Underwriting Decision Recommendation
APPROVED PREFERRED: Excellent candidate for commercial line expansion.