Global Flow Analysis
The guarantor's other businesses, the related-party leases, the contingent liabilities across every LLC — assembled automatically into one global DSCR with a full audit trail.
Why global cash flow is where the biggest underwriting mistakes happen
It's not a calculation problem. It's a connection problem — the entities exist, the debt exists, but nobody has them all in one place until it's too late to matter.
Your borrower has six entities, three investment properties, an operating business, and a spouse with her own LLC. You find the $2M in debt at a related entity halfway through credit committee. The deal gets restructured. Your credibility takes the hit.
"Nobody had a complete picture until the credit memo was being written — and by then it was almost too late to change the structure."
The guarantor's business returns are in one file. The property NOI is in another. The debt schedule is somewhere in the deal folder. Assembling them into a single global cash flow picture is a manual exercise on every deal — and something almost always gets double-counted or missed.
"I've seen two analysts run the same global cash flow and get numbers $400K apart. Both were working from the same documents."
A 5-year CRE loan that performs fine today can be a problem at maturity if the market has moved, tenants have left, or rates have risen. Most banks don't model refinance risk at origination. They discover it at renewal — when options are limited.
"We knew the loan had a short fuse. We just didn't know until it went off."
All entities connected. The full picture assembled automatically.
Upload the documents. Global Flow Analysis builds the entity map, assembles the cash flow, and calculates the global DSCR — consistently, with a full audit trail on every deal.
Upload financials across every entity: operating businesses, investment properties, guarantors, related-party owners. Global Flow Analysis builds the entity relationship map — who owns what, what debt sits where, what income is already counted elsewhere.
Consolidated cash flow waterfall across borrower, guarantors, and related businesses. Global DSCR with every component broken out and source-cited. Not assembled by hand — calculated from the uploaded documents, consistently, on every deal.
Stressed refi proceeds, maturity balance, and DSCR at refinance modeled on day one. If the loan can't refinance itself at maturity under reasonable stress assumptions, you know before it closes — not four years later when options are limited.
The difference on every deal
- Global cash flow assembled manually across 3+ spreadsheets — hours of work per deal
- Related entities and contingent liabilities missed or discovered at credit committee
- Two analysts, same deal, different global DSCR numbers — both working from the same documents
- Refinance risk invisible at origination — discovered at the annual review when it's too late to restructure
- Credit committee surprises delay deals and damage loan officer credibility
- All entities connected automatically — entity relationship map built from uploaded documents
- Every related party and contingent liability surfaced before credit committee
- One global DSCR, consistently calculated, with every component broken out and source-cited
- Maturity risk and stressed refi DSCR modeled at origination — not discovered four years later
- Credit committee gets the complete picture on day one — no surprises, no delays