Evidence dossier
Every assumption traced to a document, with a gap list against lender checklists.
Sample report · Project Passport
Cold-storage hub, Long An · USD 15m
What a Project Passport looks like, on a fictional project. Every number on this page is calculated live by the same model we use for clients.
Get the Excel model → See pricing →1 · Conclusion
The project is viable; the requested loan is not.
Fictional case. Names, figures and the sponsor are invented to show the method. Not investment advice and not a lender decision.
2 · Debt structure test
Requested structure vs. recommended structure
Scenarios: downside = revenue −15%, investment +10%, variable cost +5 points; upside = revenue +10%. Covenant: minimum DSCR 1.25x.
3 · Key assumptions
What the model assumes
| Assumption | Value |
|---|---|
| Initial investment | USD 15.0m |
| Year-one revenue | USD 4.9m |
| Variable cost / revenue | 30% |
| Fixed operating cost, year 1 | USD 0.9m |
| Revenue and fixed-cost growth | 4% p.a. |
| Operating years | 15 |
| Tax rate · WACC · cost of equity | 20% · 11% · 16% |
| Loan rate · upfront fee · covenant | 9.5% · 1% · 1.25x |
In a client engagement each assumption is tied to a source document, and missing evidence is listed before the model is used.
4 · The full Project Passport
What the paid package adds
Structuring options
Loan size, tenor and grace tested against the covenant until the base and downside cases hold.
Named reviewer
A qualified reviewer signs the model and the report before it goes to a lender.
Bilingual report
Vietnamese and English report plus the live Excel model, ready for credit committees.
5 · Excel model
Download the sample model
Five sheets with live formulas: Cover, Inputs, Model, Summary and Checks. Change any blue input and the debt schedule, DSCR and LLCR recalculate.