💼 Funding for Founders & Entrepreneurs

Capital That Grows
With Your Business

ATS Meta Analytics provides flexible, entrepreneur-first financing for startups, small businesses, and emerging ventures — from pre-revenue seed loans to multi-stage growth capital.

$2.5M
Max Loan
4.9%
Starting Rate
48hr
Decision Time
6
Loan Programs
Quick Estimate
Loan Amount
Annual Interest Rate (%)
Term (months)
Monthly Payment
$1,553
Total Interest
$5,919
Total Repayment
$55,919
Our Programs
Loan Products for Every Stage
Whether you're launching your first venture or scaling an established SMB, we have a financing program built for your exact moment.
Loan Calculator
Build Your Repayment Plan
Adjust the parameters below to model your exact loan scenario. See monthly payments, total interest, and a full amortization schedule.
📊 Loan Parameters
Loan Product — Select Below —
Loan Amount $50,000
Annual Rate (%) 7.50%
Term (months) 36
Loan Type
Amortizing
Interest-Only
Origination Fee (%) 1.00%
💰 Your Loan Summary
Monthly Payment
$1,553
36 monthly payments
$50,000
Loan Principal
$5,919
Total Interest
$55,919
Total Repayment
$500
Origination Fee
$49,500
Net Proceeds
7.78%
Effective APR
Principal 89%
Interest 11%
Mo.PaymentPrincipalInterestBalance
Loan Application
Ready to Get Funded?
Fill out the application below. Your submission will be sent directly to our lending team at [email protected] and a copy downloaded for your records.
1
Complete the Form
Provide your business & personal details, loan parameters, and financial overview.
2
Download & Email
Your application downloads as a Word doc and pre-populates an email to [email protected].
3
48-Hour Response
Our lending team reviews your application and contacts you within 1–2 business days.
💼
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Personal Information
Business Information
Loan Request Details
Financial Background
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Business Education Center
Revenue Formulas & How They Work
Master the key financial metrics every business owner must know. Each formula includes an interactive live calculator, plain-English explanation, and real-world benchmarks to interpret your results.
💰
Foundation
Gross Revenue (Total Sales)
Gross Revenue = Units Sold × Average Price Per Unit
What It Means
Gross Revenue is the total money your business earns from selling products or services before any expenses are deducted. It's your "top line" — the starting point of every income statement. Think of it as the full amount flowing in before anything goes out.
Why Business Owners Must Track It
📌Lenders use gross revenue to assess your ability to service a loan — ATS Meta Analytics looks for revenue ≥ 2× your loan amount for most programs.
📉Flat or declining gross revenue signals a pricing, volume, or market problem that needs immediate attention.
🎯Setting monthly revenue targets gives your team a clear, measurable goal to rally behind.
Industry Revenue Benchmarks (Annual)
Micro Business
<$250K
Small Business
$250K–$1M
SMB
$1M–$10M
Mid-Market
$10M–$100M
Live Calculator
Units / Customers Sold1,000
Average Price Per Unit ($)$150
Monthly Recurring Subscriptions (if any)0
Monthly Subscription Price ($)$0
Total Gross Revenue
$150,000
$150,000
One-Time Sales
$0
Recurring / MRR
$150,000
Annualized
$411
Revenue Per Day
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⚖️
Critical
Break-Even Analysis
Break-Even Units = Fixed Costs ÷ (Price Per Unit − Variable Cost Per Unit)
What It Means
The break-even point is where your total revenue equals your total costs — you're not losing money, but not making a profit yet. Every unit sold beyond this point generates pure profit. Understanding this is non-negotiable for any business owner.
Key Concepts
🔵Fixed Costs — expenses that don't change with sales volume: rent, salaries, insurance, loan payments, software subscriptions.
🟡Variable Costs — expenses that scale with each unit: materials, packaging, shipping, payment processing fees, commissions.
🟢Contribution Margin — what's left from each sale after variable costs. This goes toward covering fixed costs and then profit.
Live Calculator
Monthly Fixed Costs ($)
Price Per Unit / Sale ($)
Variable Cost Per Unit ($)
Break-Even Point
256 units
$19,200
Break-Even Revenue
62.7%
Contribution Margin
8.5/day
Units/Day (30-day mo)
$4,700
Profit at 100 extra units
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👥
Growth
Customer Lifetime Value (CLV / LTV)
CLV = Average Purchase Value × Purchase Frequency × Customer Lifespan
What It Means
CLV tells you how much total revenue a single customer will generate over their entire relationship with your business. It's the #1 metric for deciding how much to spend acquiring each new customer — and for understanding your true business value.
Why It Changes Everything
💡If your CLV is $800, spending $200 to acquire a customer (CAC) is a great investment — a 4:1 return. Lenders love high CLV businesses.
📊SaaS and subscription businesses have extremely high CLV — one reason they attract premium valuations and easier loan approvals.
🔄Increasing purchase frequency by just 20% can increase CLV more than raising prices by 20%.
CLV:CAC Ratio Benchmarks
Poor (<1:1)
Losing $
OK (1–3:1)
Breaking even
Good (3–5:1)
Healthy
Excellent (>5:1)
Scale now
Live Calculator
Avg. Purchase Value ($)
Purchases Per Year
Avg. Customer Lifespan (years)
Customer Acquisition Cost — CAC ($)
Customer Lifetime Value
$1,440
16.9:1
LTV:CAC Ratio
$1,355
Net CLV (after CAC)
$360
Annual Value / Customer
0.7 mo
CAC Payback Period
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📊
Core Metric
Gross Profit Margin
Gross Margin % = ((Revenue − COGS) ÷ Revenue) × 100
What It Means
Gross Profit Margin measures how much of each dollar of revenue remains after subtracting the direct costs of producing your goods or services (COGS — Cost of Goods Sold). It reflects your production efficiency and pricing power before overhead is considered.
COGS Includes:
📦Raw materials, inventory, manufacturing labor, packaging, shipping costs directly tied to products sold.
🚫NOT included: rent, marketing, admin salaries, insurance, or loan payments — those are operating expenses.
Gross Margin Benchmarks by Industry
SaaS / Software
70–85%
Services / Agency
50–70%
E-Commerce / Retail
30–50%
Food & Beverage
20–35%
Manufacturing
15–30%
Live Calculator
Total Revenue ($)
Cost of Goods Sold — COGS ($)
Gross Profit Margin
60.0%
$120,000
Gross Profit ($)
40.0%
COGS as % of Revenue
$0.60
Profit Per $1 Revenue
150%
Markup on COGS
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🏆
Bottom Line
Net Profit Margin (Net Income Margin)
Net Margin % = (Net Profit ÷ Total Revenue) × 100
What It Means
Net Profit Margin is the ultimate bottom-line metric — how much profit remains after ALL expenses: COGS, operating costs, interest, taxes, and depreciation. It's the truest measure of your business's financial health and the number lenders scrutinize most closely.
Net Profit = Revenue − COGS − Operating Expenses − Interest − Taxes
🏦ATS Meta Analytics reviews net margin trends over 12 months. Consistent positive margins — even small ones — signal a creditworthy business.
⚠️A high gross margin with low net margin means your operating costs (overhead, marketing, admin) are eating your profits. This is the most common hidden danger for growing businesses.
Net Margin Benchmarks
Excellent
>20%
Good
10–20%
Average
5–10%
Thin / Risky
<5%
Live Calculator
Total Revenue ($)
COGS ($)
Operating Expenses ($) — rent, salaries, marketing, etc.
Interest & Loan Payments ($)
Taxes ($)
Net Profit Margin
16.5%
$33,000
Net Profit ($)
$50,000
EBITDA (approx.)
60.0%
Gross Margin
35.0%
OpEx Ratio
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⚡
Operational Power
EBITDA & EBITDA Margin
EBITDA = Revenue − COGS − Operating Expenses + Depreciation + Amortization
What It Means
EBITDA strips away financing decisions (interest), tax environments, and accounting methods (depreciation/amortization) to reveal true operational profitability. It's the most widely used metric for comparing businesses across industries and the primary basis for SMB valuations and loan underwriting.
Why Lenders Use EBITDA
🏦ATS Meta Analytics uses EBITDA to assess your capacity to service new debt. EBITDA / Annual Debt Service = DSCR — the most important lending ratio.
📊EBITDA multiples (3–6×) determine your business's market value for acquisition, partnership, or equity financing purposes.
🔍A business with $0 net income but positive EBITDA can still be loan-eligible — EBITDA shows cash generation before financing costs.
EBITDA Margin Benchmarks
SaaS / Software
25–40%
Professional Services
20–35%
Retail / E-Commerce
8–15%
Food & Restaurant
5–10%
Live EBITDA Calculator
Total Revenue ($)
Cost of Goods Sold — COGS ($)
Operating Expenses (rent, payroll, marketing) ($)
Depreciation ($)
Amortization ($)
EBITDA
$162,000
32.4%
EBITDA Margin
$486,000
Value at 3× Multiple
$810,000
Value at 5× Multiple
$1,134,000
Value at 7× Multiple
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💧
Survival Metric
Operating Cash Flow (OCF)
OCF = Net Income + Depreciation + Changes in Working Capital
What It Means
"Revenue is vanity, profit is sanity, cash flow is reality." — OCF shows the actual cash your business generates from operations. A profitable business can still fail if it runs out of cash. OCF is what determines whether you can make payroll next Friday.
Why This Is Lenders' #1 Focus
🏦ATS Meta Analytics uses your OCF to calculate DSCR (Debt Service Coverage Ratio). We require DSCR ≥ 1.25 — meaning your cash flow must cover loan payments by 25% or more.
📅Seasonal businesses should model monthly OCF, not annual — a summer peak can mask 6 months of cash burn.
⚡Collecting receivables faster and paying suppliers slower are the two fastest ways to improve OCF without changing sales.
Live Cash Flow Calculator
Monthly Revenue / Cash Inflows ($)
Monthly COGS & Variable Costs ($)
Monthly Fixed Operating Expenses ($)
Monthly Loan / Debt Payments ($)
Monthly Tax Set-Aside ($)
Monthly Operating Cash Flow
$11,800
$141,600
Annual Cash Flow
4.69x
DSCR (need ≥1.25x)
—
Runway (if negative)
23.6%
Cash Cushion %
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🔄
Advanced
Cash Conversion Cycle (CCC)
CCC = DIO + DSO − DPO    (Days Inventory + Days Sales Outstanding − Days Payable)
What It Means
The Cash Conversion Cycle measures how many days it takes to convert your investments in inventory and other resources into cash flows from sales. A shorter CCC means your cash is locked up for fewer days — you're running a tighter, more efficient operation.
📦DIO (Days Inventory Outstanding) — average days to sell your inventory. Lower = better.
📄DSO (Days Sales Outstanding) — average days to collect payment after a sale. Lower = better.
💳DPO (Days Payable Outstanding) — average days to pay your suppliers. Higher = better (you keep cash longer).
🎯Amazon and major retailers often have a NEGATIVE CCC — they collect cash before paying suppliers. That's the holy grail.
Live CCC Calculator
Days Inventory Outstanding — DIO
Days Sales Outstanding — DSO
Days Payable Outstanding — DPO
Cash Conversion Cycle
35 days
Moderate
Efficiency Rating
Target: <30d
Industry Benchmark
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🔥
Startup Critical
Burn Rate & Cash Runway
Net Burn = Monthly Expenses − Monthly Revenue  |  Runway = Cash on Hand ÷ Net Burn Rate
What It Means
Burn rate is how fast you spend cash each month. Runway is how many months of operating life you have left at the current burn rate before running out of cash. It's the most existential metric for early-stage businesses — your runway determines every strategic decision.
Burn Rate Rules for Startups
📅Always maintain 12–18 months of runway. Below 6 months = emergency mode. Both investors and lenders want to see comfortable runway before funding.
🔥Gross burn = total monthly expenses (before revenue). Net burn = expenses minus revenue. Model both — gross burn shows your true cost structure.
💡An ATS loan can extend your runway. Model loan proceeds vs. monthly burn to see exactly how many additional months it buys you.
Runway Benchmarks (Early Stage)
Danger Zone
<6 mo
Manageable
6–12 mo
Comfortable
12–18 mo
Well-funded
18+ mo
Burn Rate & Runway Calculator
Cash on Hand / Bank Balance ($)
Total Monthly Expenses ($)
Monthly Revenue ($)
Net Monthly Burn Rate
$18,000/mo
10.0 mo
Cash Runway
$32,000/mo
Gross Burn Rate
Need: 18+ mo runway
Target Status
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📈
Investor Metric
Month-over-Month & Year-over-Year Growth Rate
Growth Rate % = ((Current Period − Prior Period) ÷ Prior Period) × 100
What It Means
Growth rate compares your current performance to a prior period — month-over-month (MoM) for tactical decisions, year-over-year (YoY) for strategic assessment. Consistent growth is the single most compelling factor in any loan or investment decision.
🚀Startups targeting venture-scale growth aim for 10–20% MoM (T2D3 — triple, triple, double, double, double over 5 years).
📊Healthy SMBs typically show 15–35% YoY growth. Consistent 20%+ YoY qualifies you for ATS's Growth Capital Line.
📐The "Rule of 72": divide 72 by your annual growth rate to find how many years it takes to double your revenue. At 24% growth = 3 years to double.
Growth Rate Benchmarks (YoY Revenue)
Hyper-Growth
>50%
High Growth
20–50%
Healthy
10–20%
Mature / Stable
1–10%
Live Growth Calculator
Prior Period Revenue ($)
Current Period Revenue ($)
Revenue Growth Rate
+30.0%
$24,000
Revenue Increase
2.4 yrs
Years to Double (Rule 72)
$135,200
Projected (1 yr at rate)
$228,000
Projected (3 yrs at rate)
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📉
Retention
Customer Churn Rate & Retention Rate
Churn Rate % = (Customers Lost ÷ Customers at Start of Period) × 100  |  Retention = 100% − Churn%
What It Means
Churn rate measures how fast you're losing customers. It's the silent killer of growth — you can be acquiring new customers while churning existing ones faster, creating a "leaky bucket" that prevents real growth. Every 1% reduction in churn has an outsized impact on valuation and CLV.
🪣A business with 10% monthly churn loses ~72% of its customer base annually. That means you must replace nearly all customers just to stay flat.
💰Reducing churn by 5% can increase profitability by 25–95% (Harvard Business Review). This is where retention pays more than acquisition.
Monthly Churn Benchmarks (SaaS/Subscription)
Best-in-class
<1%
Good
1–3%
Average
3–7%
Danger zone
>7%
Live Churn Calculator
Customers at Start of Period
Customers Lost This Period
Avg. Monthly Revenue Per Customer ($)
Monthly Churn Rate
3.0%
97.0%
Retention Rate
30.7%
Annual Churn
$1,335
MRR Lost to Churn
33 mo
Avg. Customer Lifetime
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💎
Universal Metric
Return on Investment (ROI)
ROI % = ((Total Gain − Total Cost) ÷ Total Cost) × 100
What It Means
ROI measures the efficiency of any investment — whether it's marketing spend, equipment, hiring, or a business loan. It answers the fundamental question: "For every dollar I put in, how many dollars do I get back?" ROI is the universal language of business investment decisions.
How to Apply ROI to Loan Decisions
🏦Before taking a loan, model its ROI: if a $50K equipment loan generates $120K in new revenue, your ROI = 140% — far exceeding the ~9% interest cost.
📊Annualize ROI for fair comparison. A 60% ROI over 3 years = 20% annualized — excellent, but lower than it first appears.
⚡Use ROI to prioritize between investments. Limited capital should go to highest-ROI uses: usually customer acquisition > equipment > overhead.
ROI Benchmarks (Annualized)
Poor
<10%
Average
10–25%
Good
25–75%
Exceptional
>75%
ROI Calculator
Total Revenue / Gain from Investment ($)
Total Investment Cost ($)
Investment Period (months)
Return on Investment
140.0%
140.0% / yr
Annualized ROI
$70,000
Net Profit ($)
5.0 mo
Payback Period
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🏛️
Enterprise Value
Business Valuation (Revenue & EBITDA Multiple Methods)
Value = Annual Revenue × Industry Multiple  |  OR  |  Value = EBITDA × Multiple
What It Means
Business valuation determines how much your company is worth. The two most common methods for SMBs are Revenue Multiples (simpler, used for early-stage and high-growth companies) and EBITDA Multiples (more precise, used for established businesses with consistent profitability).
EBITDA = Earnings Before Interest, Taxes, Depreciation & Amortization
📊Revenue Multiple is used when profit is low/negative but growth is high (startups, SaaS, fast-growing e-commerce).
💼EBITDA Multiple is used for mature businesses with stable, predictable earnings. Most M&A deals for SMBs use 3–6× EBITDA.
🏦Your valuation directly impacts your borrowing capacity. Higher valuation = stronger collateral position = better loan terms from ATS Meta Analytics.
Typical Multiples by Industry
SaaS (ARR)
5–15×
Services / Agency
1–3×
E-Commerce
0.5–2×
SMB EBITDA (any)
3–6×
Dual-Method Valuation Calculator
Annual Revenue ($)
Revenue Multiple (your industry)
Annual EBITDA ($)
EBITDA Multiple (your industry)
Estimated Business Value Range
$960K – $2.4M
$2,400,000
Revenue Method
$960,000
EBITDA Method
$1,680,000
Midpoint Estimate
20.0%
EBITDA Margin
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🏷️
Revenue Engine
Pricing Strategy: Cost-Plus vs. Margin-Based
Cost-Plus Price = Unit Cost × (1 + Markup%)  |  Margin-Based Price = Unit Cost ÷ (1 − Target Margin%)
What It Means
Pricing is the single biggest lever in your business. A 1% price increase has 3–4× more profit impact than a 1% cost reduction. Two core frameworks: Cost-Plus (add a markup over your cost) is simple but ignores market reality. Margin-Based (work backward from the margin you need) ensures profitability at any revenue level.
Common Pricing Mistakes
⚠️Pricing based on competition without knowing your own cost structure. You may be profitable — or losing money — without knowing it.
💡Confusing markup and margin: a 50% markup gives a 33% margin. Always know which number you're using — they are NOT the same.
📈Not raising prices when costs rise. Even a 5–10% price increase, communicated well, rarely loses as many customers as feared.
Markup vs. Margin Reference
25% markup
= 20% margin
50% markup
= 33% margin
100% markup
= 50% margin
200% markup
= 67% margin
Pricing Strategy Calculator
Unit Cost / COGS per Item ($)
Cost-Plus Markup (%)
Target Gross Margin (%) — for margin-based price
Recommended Price Range
$80.00
$70.00
Cost-Plus Price
$80.00
Margin-Based Price
50.0%
Actual Gross Margin
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🏦
Loan Readiness
Debt Service Coverage Ratio (DSCR)
DSCR = Net Operating Income ÷ Total Annual Debt Service (Principal + Interest)
What It Means
DSCR is THE most important metric for loan approval. It tells lenders whether your business generates enough cash to comfortably cover loan payments. A DSCR of 1.0 means you barely break even. ATS Meta Analytics requires ≥1.25 (25% cushion above debt payments) for most programs.
✅DSCR > 1.5 — Excellent. You'll likely qualify for the best rates and largest amounts. Ideal for our SMB Working Capital and Growth Capital programs.
🟡DSCR 1.25–1.5 — Good. Standard approval range for most ATS lending programs.
⚠️DSCR 1.0–1.25 — Marginal. May require collateral or co-signer. Consider our Seed or Startup programs with smaller amounts.
❌DSCR < 1.0 — Cash flow insufficient. Focus on improving operations before applying; consider revenue-based financing alternatives.
DSCR Calculator
Annual Net Operating Income ($)
Annual Principal Payments ($)
Annual Interest Payments ($)
Debt Service Coverage Ratio
2.30×
$37,000
Total Annual Debt Service
$48,000
Annual Cash Surplus
Calculating…
Est. Max Loan (ATS)
✅ Excellent
Loan Readiness
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⚖️
Balance Sheet
Debt-to-Equity Ratio (D/E) & Leverage Analysis
D/E Ratio = Total Liabilities ÷ Total Shareholders' Equity
What It Means
The D/E ratio measures how much of your business is financed by debt versus owner equity. A ratio of 2.0 means you have $2 in debt for every $1 of equity. It tells lenders how leveraged — and therefore how risky — your business is. Too high and lenders will hesitate; too low and you may be under-utilizing capital.
📊Most lenders prefer D/E below 2.0 for SMBs. Above 3.0 typically requires strong cash flow or collateral to offset the higher leverage risk.
🏗️Asset-heavy industries (real estate, manufacturing) tolerate higher D/E ratios because physical assets serve as collateral. Service businesses are held to tighter standards.
💡Taking on a loan increases D/E — model your post-loan ratio before applying to understand how it impacts future borrowing capacity.
D/E Ratio Calculator
Total Liabilities / Debt ($)
Total Shareholders' Equity ($)
New Loan Amount (to model impact) ($)
Current Debt-to-Equity Ratio
0.82×
1.04×
D/E After New Loan
Conservative
Leverage Profile
$400,000
Total Assets
55.0%
Equity-Financed %
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💧
Liquidity
Working Capital & Current Ratio
Working Capital = Current Assets − Current Liabilities  |  Current Ratio = Current Assets ÷ Current Liabilities
What It Means
Working capital is the lifeblood of daily operations — the liquid funds available to meet short-term obligations, pay suppliers, and cover unexpected costs. The current ratio shows whether you have enough short-term assets to cover short-term debts. A ratio below 1.0 means you can't cover your near-term bills without additional financing.
What Counts as Current Assets vs. Liabilities
✅Current Assets: cash, bank accounts, accounts receivable (invoices owed to you), inventory, prepaid expenses — anything convertible to cash within 12 months.
⚠️Current Liabilities: accounts payable, short-term loans, credit card balances, accrued wages, taxes payable — anything due within 12 months.
🏦ATS Working Capital loans increase current assets (cash) without adding current liabilities if structured as long-term debt — improving your working capital position.
Current Ratio Benchmarks
Danger (<1.0)
Insolvent risk
Tight (1.0–1.5)
Needs buffer
Good (1.5–2.0)
Healthy
Strong (>2.0)
Well-capitalized
Working Capital Calculator
Total Current Assets (cash, receivables, inventory) ($)
Inventory (subset of current assets) ($)
Total Current Liabilities (payables, short-term debt) ($)
Working Capital
$140,000
2.00×
Current Ratio
1.54×
Quick Ratio (ex-inventory)
✅ Healthy
Liquidity Status
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Quick Reference
Business Finance Glossary
Essential terms every business owner should know — used throughout this calculator and in your ATS loan application.
Revenue
Total income from all sales before any deductions. The "top line" of your income statement.
COGS
Cost of Goods Sold — direct costs to produce what you sell: materials, production labor, packaging.
EBITDA
Earnings Before Interest, Taxes, Depreciation & Amortization. Closest measure of operational profitability.
Gross Margin
% of revenue remaining after COGS. Higher margin = more money to cover overhead and profit.
Net Profit
The "bottom line" — what remains after ALL expenses including taxes and interest. True profitability.
CLV / LTV
Customer Lifetime Value — total revenue expected from one customer over the full relationship.
CAC
Customer Acquisition Cost — total spent on marketing & sales divided by new customers acquired.
MRR
Monthly Recurring Revenue — predictable monthly income from subscriptions. Valued highly by lenders.
ARR
Annual Recurring Revenue — MRR × 12. Standard metric for SaaS and subscription businesses.
Churn
Rate at which customers cancel or stop buying. High churn destroys CLV and revenue growth.
DSCR
Debt Service Coverage Ratio — cash flow vs. loan payments. ATS requires ≥1.25× for most loans.
D/E Ratio
Debt-to-Equity — how leveraged your business is. Lenders prefer below 2.0× for most SMBs.
Working Capital
Current Assets − Current Liabilities. Positive working capital = ability to fund short-term operations.
Burn Rate
How fast you spend cash (monthly). Runway = Cash / Burn Rate. Critical for pre-revenue startups.
Contribution Margin
Revenue minus variable costs per unit. What each sale contributes toward fixed costs and profit.
NOI
Net Operating Income — revenue minus operating expenses, before interest and taxes. Used in DSCR.