When you’re sizing a $250k working-capital LOC and the applicant brings only two years of returns and six months of bank statements, what’s your first-pass framework? I’m weighing DSCR and global cash flow against bank balance volatility and supplier concentration, with covenant feasibility in mind, but I’m curious which benchmarks or red flags you rely on at that stage — purely general approaches, since policies vary and folks should follow their institution’s credit policy and do their own research.