Lender Package Prep Agent: Structured Financing Materials from Your Financial Data
Upload historical financials and EBITDA workpapers and receive a draft lender package — adjusted EBITDA narrative, leverage summary, collateral schedule, and management Q&A — organized for your team’s review.
InvestmentBank.com does not arrange financing, broker loans, or act as a placement agent. AI outputs are drafts for internal workflow use only. Human review required.
What the Lender Package Prep Agent Produces
Financial Summary
Normalized three-year historical P&L summary, EBITDA reconciliation, and free cash flow overview formatted for lender review.
EBITDA Adjustment Narrative
A written explanation of each addback — one-time items, owner compensation normalization, pro forma adjustments — mapped to source workpapers.
Leverage Assumptions
Draft leverage summary showing total debt, senior debt, and coverage ratios based on adjusted EBITDA — for internal review before lender presentation.
Collateral Summary
Structured collateral schedule organized by asset class — real property, equipment, receivables, inventory — drawn from uploaded schedules.
Management Q&A Draft
Anticipated lender questions with draft management responses — financial performance, customer concentration, capex, and covenant headroom.
Covenant Considerations
Initial list of covenant types typically associated with the deal structure, for your legal and finance team to review and negotiate.
Adjusted EBITDA Narratives That Match Your Workpapers
Lenders scrutinize EBITDA adjustments. The Lender Package Prep Agent reads your EBITDA bridge workpaper, identifies each addback, and drafts a plain-language narrative with the supporting logic — ready for your CFO or advisor to review and refine before it goes to a credit committee.
- Maps each adjustment line to the source document that supports it
- Flags addbacks that may face lender pushback based on category
- Produces a reconciliation table formatted for lender package appendix
- Separate treatment for run-rate synergies, owner comp, and one-time charges
- CIM (v3)
- Teaser
- Financial model
- QoE summary
- Lender package
Manual Lender Package Prep vs. AI-Assisted Prep
The agent does not replace your finance team. It eliminates the blank-page step so your team can focus on review and refinement.
Frequently asked questions
Does using this tool mean InvestmentBank.com is acting as my debt advisor?
No. InvestmentBank.com is a software platform. It does not provide financial advisory services, debt advisory, or act as a placement agent. Your qualified advisors are responsible for all lender negotiations and financing decisions.
Can I send the lender package draft directly to a bank?
No. The draft output must be reviewed, validated, and approved by your qualified finance and legal professionals before any external distribution.
What financial inputs does the tool require?
At minimum: three years of historical P&L, an EBITDA bridge workpaper, and a balance sheet. Additional inputs (collateral schedule, capex schedule, customer list) improve output quality.
Build Your Lender Package Draft
Upload financials and EBITDA workpapers. Receive a structured draft your team can review and refine.
Software platform only. Not a registered broker-dealer. No securities, legal, tax, accounting, or investment advice.