Without a bankability assessment, raising capital is like flying blind

Scudieri
Sep 17
2 min read

When companies seek external funding — whether through bank loans, structured credit, or capital markets — the success of the transaction depends on a single critical factor: the perception of bankability.

Bankability goes far beyond the company’s current financial position. It represents the ability to inspire confidence in financial institutions and investors, demonstrating structure, governance, and strategic consistency. Without this foundation, the chances of attracting competitive capital drop dramatically.

This is why the Bankability Health Check, developed by Scudieri & Associados, is an essential step before any approach to the market.

What is the Scudieri bankability health check?

It is a preliminary and structured diagnosis that evaluates whether your company is effectively prepared to raise funds under competitive terms. The analysis goes beyond reviewing balance sheets — it examines a set of critical dimensions:

• Financial Governance: Accuracy and reliability of financial statements, KPIs, and management reports.

• Cash Flow Visibility: Ability to forecast and control liquidity.

• Capital Structure: Balance between debt and equity, leverage level, and capacity to absorb new credit.

• Risk and Compliance: Identification of contingencies and adherence to regulatory standards.

• Strategic Alignment: Clarity of the company’s expansion plan and value proposition for investors.

Why is this diagnosis critical before approaching the market?

Many companies underestimate the complexity of capital raising. The lack of preparation often leads to:

Delays of up to 90 days just to collect documents required by lenders.
Higher interest rates, as financial institutions price operational and governance risk.
Negotiation failures, because the company cannot answer key questions promptly.

The Health Check eliminates these obstacles, creating a clear roadmap for improvements before starting negotiations.

What are the benefits for your business?

After the Scudieri Health Check, your company will have:

A solid assessment of current bankability and a plan to strengthen it.
Reduced cost of capital, thanks to increased credibility with lenders and investors.
Shorter funding timelines, as all information is organized and aligned with market standards.
A strategic narrative, presenting the company as a structured, low-risk, and high-value business.

Capital raising is a strategic move, not a gamble.

Raising funds without proper preparation is like flying blind: you move forward without visibility, increasing risk and cost. With the Scudieri methodology, your company gains clarity, speed, and security to attract the resources it needs — under the best conditions.

Scudieri & Associados: Strategy, Governance, and Results for Capital Market Access.