The fastest way to lose a reviewer's trust is a revenue line that reaches full utilisation almost immediately. Real operations take time to fill: customers, approvals and supply chains do not arrive on day one.
Build the curve, then flex it
- Start below capacity and ramp over a realistic period for your sector.
- Tie the ramp to something concrete — beds filled, tonnes shipped, tests run.
- Flex the ramp in sensitivity, not just price and cost.
A study that flexes several variables together is far more persuasive than one that shows an optimistic base case alone, because that is how real downside arrives.
Related reading: DSCR — what a lender actually checks.
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