The lender’s lens
Debt service cover, leverage, current ratio, debtor days and customer concentration, calculated from your own numbers.
Canopy CFO
See your business the way a bank’s credit head does.
Before you ask for finance, know what a lender will see: the financial and business metrics credit teams assess, where you are strong, and which gaps to close first.
The lender’s viewFundable, with two gaps to close
Sample data- Debt service cover1.8x
- Current ratio1.6x
- Facility headroomAED 3.10m
- Customer concentration62% top 3
- Debtor days78 days
Claire · bank-reconciled dataWhat you get
Funding readiness
Strengths and gaps
A clear read on what supports an application and what a credit team is likely to question.
Debt and facilities
Utilisation, remaining headroom and single-lender concentration across your existing facilities.
What to fix first
The changes that would do most to strengthen your position, in order of impact.
How it works
From your data to a decision.
- Your P&L, balance sheet, facilities and receivables are assessed together.
- The metrics lenders use are calculated and compared with typical lending criteria.
- You get the gaps to close first. It’s preparation, not a credit decision.
Also in Canopy CFO
One platform, the whole finance picture.
Claire, your AI CFO
A daily briefing on what needs your attention, and straight answers to questions about your own numbers. Every figure comes from calculation on your data, not AI guesswork.
Learn moreCash you can trust
Your bank statement is the source of truth for cash. It’s reconciled against your books, and any differences are flagged.
Learn more13-week cash forecast
Spots a shortfall weeks before it happens, then prices the fixes: chase overdue customers, re-time supplier payments, or draw on facilities.
Learn moreFraud detection
Cross-checks ERP and bank data to flag duplicate payments and suspicious transactions for review, before the money is gone.
Learn moreEarly warnings
Unusual transactions are caught automatically, alongside the risk and liquidity metrics that tell you when something is drifting.
Learn moreThe full picture
Budget vs actual, profitability, receivables, expenses, inventory and bank facilities, across every currency you trade in, in one place.
Learn more
See your business through a CFO's eyes.
Book a 30-minute demo. We'll walk you through Canopy CFO and talk through what it would show for your business.