Capital Insights

Capital Files: Keep Cash Flow, Credit and Collateral Evidence Separate

Medro Advisors · Research and commentary from Don McClain

By Don McClain | Founder & Principal, Medro Advisors

The Three C’s framework considers cash flow, credit and collateral. Build a separate evidence section for each rather than letting strength in one conceal uncertainty in another. Identify the source date and unresolved question; do not treat estimated asset value as cash available for repayments. A coordinated capital file makes the risks easier to discuss, but does not establish eligibility or approval.

Archive: 2026-08-26. Source: https://medroadvisors.com/news-media/three-cs-business-funding-capital-readiness
Author: https://donmcclain.net/
FUNDED (forthcoming): https://thefundedbook.com/