01 Assess & Align
Aligned on growth goals, financing needs, and lender requirements to set the right modeling parameters.
01 Automotive Working-Capital Plan
View Methodology
A structured modeling approach to build a loan-ready working-capital plan and use-of-funds logic that strengthened lender confidence and supported dealership growth.
Back to Case Study OverviewOur Approach
We followed a rigorous, step-by-step process to develop a lender-ready model and use-of-funds plan tailored to the dealership's growth objectives.
02 Data & Assumptions
Gathered historical data and key assumptions across sales, inventory, funding, and operating metrics.
03 Model Build
Built an integrated financial model linking P&L, balance sheet, cash flow, and working capital schedules.
04 Use-of-Funds Logic
Developed detailed use-of-funds allocation tied to inventory expansion and operational requirements.
05 Validate & Refine
Stress-tested the model, validated lender metrics, and refined outputs to ensure lender readiness.
Key Methodological Frameworks
Our modeling frameworks ensured accuracy, transparency, and a clear link between funding and business performance.
Integrated Financial Model
Connected P&L, balance sheet, and cash flow to capture the full financial impact of growth plans.
Working Capital Planning
Modeled inventory purchases, payables, receivables, and cash conversion cycle to optimize working capital.
Use-of-Funds Framework
Mapped funding deployment to inventory, floorplan, and operational needs with clear rationale.
Lender Metrics Validation
Monitored key lender metrics including DSCR, leverage, liquidity, and working capital ratios.
Model & Analysis Highlights
Key deliverables that strengthened lender confidence and supported growth funding.
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Working Capital Facility secured to support inventory expansion.
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Projected Inventory Turnover for efficient inventory management.
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DSCR Year 1 indicating strong debt service coverage.
Improved Liquidity
Stronger working capital position and cash flow visibility.
Lender Confidence
Delivered a transparent, data-backed model ready for lender review.
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