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Most business owners have never seen their own numbers the way a lender sees them. The financial ratios, coverage calculations, and cash flow metrics that determine whether your business gets approved or declined — most owners don't calculate them until someone else does it for them. By then, it's too late to fix anything.
This workbook changes that.
The Business Owner's Financial Command Center is a professional-grade Excel toolkit built by Charles M. Barr, CEO of LVRG Business Funding, with more than 20 years of experience in commercial lending, underwriting, and financial advisory. These are the same calculations used on the other side of the table — now built for you to run yourself.
What's Inside
Monthly Cash Flow Tracker — A 12-month view of your revenue, expenses, and net cash flow. See exactly where your money is going, where the gaps are, and how your cash position changes month to month. This is the first thing every lender reviews.
Debt Service Coverage Ratio (DSCR) Calculator — The single most important number in any loan decision. Enter your net operating income and your total debt payments and instantly see whether a lender would view your business as fundable. Includes a full interpretation guide so you know exactly what your number means.
Owner's Discretionary Earnings (SDE) Calculator — This is how buyers and lenders determine what your business is actually worth. Net income plus add-backs — owner salary, benefits, depreciation, one-time expenses — calculated the way an underwriter calculates them. Includes quick valuation reference multiples at 2x, 3x, and 4x SDE.
Break-Even Analysis — How much monthly revenue your business needs to cover all fixed costs before generating a dollar of profit. Enter your fixed costs, average revenue per sale, and variable costs — the workbook calculates your break-even point in dollars and in units. Every business owner should know this number.
Loan Affordability Calculator — Considering a loan? Enter the amount, interest rate, and term. See your exact monthly payment, total interest cost, and total cost of the loan. Then enter your current cash flow to see whether your business can actually support the debt — including a DSCR calculation with the new loan factored in.
How It Works
Every tab is independent — use one or use all five. Blue cells are your inputs. Gray cells calculate automatically. Enter your numbers and the workbook does the rest. No accounting degree required.
Who This Is For
This toolkit is built for established business owners, entrepreneurs, and operators who want to understand their financial position the way a lender, investor, or buyer would evaluate it. Whether you're preparing for a loan application, considering an acquisition, planning an expansion, or simply want to know where your business stands financially — this is the starting point.
Who Built This
Charles M. Barr is the founder and CEO of LVRG Business Funding, a commercial lending and capital advisory firm headquartered in Detroit, Michigan. With 20+ years in commercial finance and more than $1 billion facilitated across 10,000+ businesses, this workbook reflects the same financial framework used in professional deal evaluation and underwriting.