Credit reviews go better when management information is consistent, comparable, and honest about variances — before the lender asks awkward questions.
Metrics
Align internal KPIs with facility definitions. If adjusted EBITDA is used in covenants, document bridges from statutory results clearly and consistently each period.
Avoid introducing new adjustments quarterly without explanation — it erodes trust.
Narrative
Lead with what changed operationally, then show the financial impact. Credit committees hear many stories; clarity and brevity win.
Separate one-off items from run-rate performance so headroom calculations are credible.
Rhythm
Monthly packs reduce quarter-end surprises. Include forward-looking indicators — order book, utilisation, churn — where relevant to your business.
Prepare FAQ-style notes for known risks so management responses are consistent across attendees.
Consistent reporting strengthens lender relationships over time.
Related work
Representative engagements illustrating how we deliver similar outcomes.
Frequently asked questions
What do credit committees care about most?
Credibility of forecasts, covenant headroom, variance explanations, and consistency of definitions month to month.
How early should we prepare for a review?
At least one full reporting cycle before certification — longer if forecasts or covenants need rebuilding.
What should monthly MI include for lenders?
Covenant metrics using facility definitions, variance narrative, cash outlook, and forward risks — not only statutory accounts.
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