Map the entities
List related businesses, ownership interests and guarantors that a lender may include.
GUIDE & CHECKLIST
Understanding Global Cash Flow
Global cash flow looks across related businesses, owners, income and obligations to assess repayment beyond a single borrowing entity.
Why this matters
Global cash flow looks beyond one borrowing entity when related owners and businesses may affect repayment. It brings income, distributions, obligations and guarantees into one view.
Work through the details
Identify available income
Separate recurring business cash flow and owner income from transfers between entities.
Include obligations
Account for relevant business and personal debt payments under the lender’s method.
Preparation checklist
- List related entities and ownership
- Identify distributions, salaries and recurring income
- Include personal and business debt payments where required
- Avoid counting the same cash flow twice
Questions that can slow a request
Double counting
A distribution from a company may appear again as owner income even though it is the same cash.
Missing liabilities
Related debt or contingent obligations can change the repayment picture.
How Alliance helps
Related entities and owner income can turn a straightforward request into repeated questions. Alliance maps the cash and obligations across the group, checks for double counting, and presents the repayment story clearly. You spend less time untangling numbers during underwriting.
Related financing needs
Business Acquisition
You have found a business worth buying. Financing should account for the purchase and the cash needed to operate afterward. Alliance helps you evaluate the full acquisition funding need.
Explore ↗Partner Buyout / Ownership Transition
An ownership change should leave the business prepared for its next chapter. Explore partner buyout and succession financing aligned with the company’s cash flow and ongoing needs.
Explore ↗Keep learning
Educational guidance only. Requirements and calculations depend on the lender, program and transaction; this is not an approval or a lender-specific checklist.
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Want to discuss your financing request?
Alliance can help identify the questions and documents that matter for your situation.