FINANCING REQUEST - Harborview Precision Fabrication LLC
Prepared October 28, 2026 (Central)
WORKING DRAFT - INFORMATION INCOMPLETE
SYNTHETIC DEMONSTRATION - fictional borrower and lender; not a real application.

TRANSACTION SUMMARY
Harborview Precision Fabrication LLC requests $300,000. Requested facility: Requested seven year equipment term loan; lender pricing and amortization remain unconfirmed.
Purchase and install a fabrication machine and fund initial working capital.
Project costs $360,000 | Contribution $60,000 | Other funding $0. Funding timing: November 2026 after lender review and vendor confirmation.
- Fabrication machine: $280,000
- Installation and training: $40,000
- Initial working capital: $40,000

BUSINESS AND MANAGEMENT
Founded in 2018, this fictional company fabricates metal assemblies for regional packaging-equipment manufacturers. It has 14 employees, leases a 12000 square foot shop and invoices commercial customers on 30 to 60 day terms. Its largest customer represents 28 percent of sales.
Maya Chen owns 100 percent of Harborview Precision Fabrication LLC (synthetic).
Maya Chen has 15 years of fabrication operations experience and supervises production and sales. A contracted bookkeeper closes monthly accounts. Maya owns 100 percent of the company and is the expected guarantor.

FINANCIAL PERFORMANCE
Harborview Precision Fabrication LLC | historical
2024: revenue $1,600,000; net income $120,000 [D002]
2025: revenue $1,920,000; net income $160,000 [D003]
Jan-Sep 2026 (interim): revenue $1,580,000; net income $138,000 [D004]
2025 revenue changed 20% from 2024.
Interim figures remain separate from full-year results.

REPAYMENT PLANNING CASE
Payment reconciliation needed. The supplied payment does not support the stated structure. Cash remaining and downside figures below use that unresolved input; payment ratios are withheld until it is reconciled.
Recurring operating receipts from fabrication contracts are the primary repayment source. The business expects the new machine to reduce subcontracting needs; no forecast savings are included in historical repayment calculations.
$42,000 per year for 7 years totals $294,000, below the $300,000 requested principal before interest. Explain any balloon, varying payments or different amortization; no fully amortizing schedule has been established.
Business cash before debt $180,000; planning business payments $78,000; planning cash remaining $102,000.
Combined business and household planning cash before debt $204,000; payments $84,000; planning surplus / deficit $120,000. Household support availability has not been established.
Ratios are withheld when the payment is inconsistent. Any other ratios are illustrations, not lender-defined DSCR.

PROPOSED COLLATERAL AND DEBT
Proposed security is the newly purchased fabrication machine with vendor price 280000 before installation. Existing equipment is subject to a fictional first lien securing the continuing 150000 debt. Vendor price is not appraised liquidation value. Lien searches, serial numbers, insurance and lender advance rates remain outstanding.
Existing equipment debt of 150000 remains outstanding. Annual principal and interest payments are 36000. Proposed financing does not refinance this debt.

OUTSTANDING INFORMATION
1. Payment structure [Unresolved]: $42,000/year for 7 years totals $294,000, below requested principal before interest.
Next: Provide a payment schedule, maturity, amortization and any balloon. Suggested preparer: Borrower / financing contact. Before relying on repayment figures.
2. AR aging does not reconcile [Open]: Receivables aging differs from the balance sheet by $5,000.
Next: Reconcile the ledger and aging report; retain the reconciling schedule. Suggested preparer: Borrower / accountant. Before lender review.
3. Explain past-due balances [Open]: $35,000 reported more than 90 days past due.
Next: Provide collection history, disputes, credits and any write-off assessment. Suggested preparer: Borrower / accountant. Before lender review.
4. Book-to-tax reconciliation and filed return [Open]: Book less tax summary: revenue $20,000; net income $10,000. The supplied tax summary does not establish filing.
Next: Provide the accountant reconciliation and applicable filed return. Suggested preparer: Borrower / accountant. Before lender review.
5. Confirm which sources are included [Unconfirmed]: The source list has not been marked complete.
Next: Confirm all relevant businesses, guarantors and obligations are listed. Suggested preparer: Borrower / management. Before lender review.
6. Explain the disclosed customer concentration [Open]: Borrower-stated customer concentration: 28%.
Next: Identify the customer and reporting period, supporting sales or receivables schedule, contract terms, collection history and the effect of losing or delaying that customer. Suggested preparer: Borrower / management. Before lender review.
7. Show how expected growth becomes available cash [Open]: Borrower forecast or explanation: Recurring operating receipts from fabrication contracts are the primary repayment source. The business expects the new machine to reduce subcontracting needs; no forecast savings are included in historical repayment calculations. Largest customer concentration is 28 percent of annual sales. Accounts receivable includes $35,000 over 90 days and an unresolved $5,000 book-to-aging difference. Management proposes weekly collections calls and credit-limit reviews; these plans do not establish collectability. Two book-to-tax differences require accountant reconciliation. Machine delivery and installation could be delayed.
Next: Provide volume, pricing, margin and collection assumptions, the incremental operating costs and funding need, and a downside case. Distinguish signed commitments from estimates. Suggested preparer: Borrower / management. Before lender review.
8. Maya Chen: distinguish liquidity from net worth [Open]: A dated liquidity and income-scope schedule is not supplied.
Next: Add a dated personal financial statement, liquid and unavailable assets, and confirm that nonbusiness income excludes amounts already represented in business cash. Suggested preparer: Borrower / proposed guarantor. Before relying on repayment figures.
9. Trace the contribution and other funding sources [Open]: Entered borrower contribution: $60,000.00; other funding: $0.00. Contribution-source verification has not been established.
Next: Document the origin, availability, transfer trail and conditions of each source. Identify loan payments, investor redemption/distribution rights and seller-note terms; reconcile obligations already entered before adding anything to avoid double counting. The lender sets acceptable contribution and subordination terms. Suggested preparer: Borrower / management. Before lender review.
10. Contingent guarantees [Open]: $150,000 guaranteed balance; excluded from annual payments.
Next: Identify the obligation, whether already in the debt schedule, and any cash-support triggers. Suggested preparer: Borrower / proposed guarantor. Before lender review.
11. Describe proposed collateral and existing claims [Open]: Borrower description: Proposed security is the newly purchased fabrication machine with vendor price $280,000 before installation. Existing equipment is subject to a fictional first lien securing the continuing $150,000 debt. Vendor price is not appraised liquidation value. Lien searches, serial numbers, insurance and lender advance rates remain outstanding.
Next: Identify assets offered, ownership, existing liens and supporting value records where relevant. For a line, describe receivable/inventory eligibility and reporting; for equipment or property, discuss the valuation the lender requires. Let the lender determine security, advance rates, guarantees and exceptions. Suggested preparer: Borrower / management. Before lender review.
12. Image-derived information [Unconfirmed]: D013, D014, D017 include unconfirmed image transcription.
Next: Confirm dates and figures against originals. Excluded from automatic annual cash flow until confirmed. Suggested preparer: Borrower / management. Before lender review.

SUPPORTING RECORDS
Read the lender brief for comparative schedules and the document index. Detailed source evidence and preparation references are available in the separate evidence PDF. Originals are supplied only when separately selected.

CONTACT
Maya Chen, Managing Member and 100 percent owner | maya.chen@example.invalid | +1 202-555-0142

INFORMATION BASIS
A borrower-prepared financing brief compiled from saved statements, provided amounts and mapped file content where available. Financial calculations are mechanical illustrations, not verified financial statements, lender underwriting, approved terms or a credit recommendation.
CLR provides preparation and informational analysis. CLR does not make lending decisions, approve or decline credit, issue loan offers, or guarantee financing. Each lender independently verifies information, applies its policies and applicable requirements, and makes all credit decisions and sets terms.
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