{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Vars","Minimum Needs List"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":1,"defined_names":131,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Vars","index":0,"n_rows":126,"n_cols":10,"rows_kept":126,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,null,"POST  LOAN"]
[]
["Annualization Factors",null,null,null,null,null,"Annualization Factors"]
[null,"Months",null,"Factor",null,null,null,"Months",null,"Factor"]
["Hist3Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"Hist3Factor",{"$f":"IF(Hist3Months>0,12/Hist3Months,1)","v":{"$error":"#REF!"}},null,null,"PostLoan1Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"PostLoan1Factor",{"$f":"IF(PostLoan1Months>0,12/PostLoan1Months,1)","v":{"$error":"#REF!"}}]
["Hist2Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"Hist2Factor",{"$f":"IF(Hist2Months>0,12/Hist2Months,1)","v":{"$error":"#REF!"}},null,null,"PostLoan2Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"PostLoan2Factor",{"$f":"IF(PostLoan2Months>0,12/PostLoan2Months,1)","v":{"$error":"#REF!"}}]
["Hist1Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"Hist1Factor",{"$f":"IF(Hist1Months>0,12/Hist1Months,1)","v":{"$error":"#REF!"}},null,null,"PostLoan3Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"PostLoan3Factor",{"$f":"IF(PostLoan3Months>0,12/PostLoan3Months,1)","v":{"$error":"#REF!"}}]
["InterimMonths",{"$f":"#REF!","v":{"$error":"#REF!"}},"InterimFactor",{"$f":"IF(InterimMonths>0,12/InterimMonths,1)","v":{"$error":"#REF!"}},null,null,"PostLoan4Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"PostLoan4Factor",{"$f":"IF(PostLoan4Months>0,12/PostLoan4Months,1)","v":{"$error":"#REF!"}}]
["ProForma1Months",{"$f":"#REF!","v":{"$error":"#REF!"}},"ProForma1Factor",{"$f":"IF(ProForma1Months>0,12/ProForma1Months,1)","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,"PostLoan1Date",{"$f":"IF(#REF!=\"\",\"\",#REF!)","v":{"$error":"#REF!"}}]
["DaysInYear",365,null,null,null,null,"PostLoan2Date",{"$f":"IF(#REF!=\"\",\"\",#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,"PostLoan3Date",{"$f":"IF(#REF!=\"\",\"\",#REF!)","v":{"$error":"#REF!"}}]
["WorkingCapital",null,null,null,null,null,"PostLoan4Date",{"$f":"IF(#REF!=\"\",\"\",#REF!)","v":{"$error":"#REF!"}}]
[]
["Hist3WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["Hist2WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["Hist1WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["InterimWC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["ProForma1WC",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
[]
["Profit and Loss After Tax - Depreciation and Amortization"]
[]
["Hist3PLATDA",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist2PLATDA",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist1PLATDA",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["InterimPLATDA",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["ProForma1PLATDA",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
[]
["Current Maturities Long Term Debt"]
[]
["Hist3CurMatLTD",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist2CurMatLTD",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist1CurMatLTD",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["InterimCurMatLTD",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
["ProForma1CurMatLTD",{"$f":"SUM(#REF!,#REF!)","v":{"$error":"#REF!"}}]
[]
["Tangible Net Worth (Total Net Worth - Intangibles)"]
[]
["Hist3TNW",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["Hist2TNW",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["Hist1TNW",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["InterimTNW",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
["ProForma1TNW",{"$f":"#REF!-#REF!","v":{"$error":"#REF!"}}]
[]
["VariableCosts"]
[]
["Hist3VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist2VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist1VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}}]
["InterimVarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}}]
["ProForma1VarCosts",{"$f":"SUM(#REF!,#REF!:#REF!,#REF!,#REF!)","v":{"$error":"#REF!"}}]
[]
["Fixed Costs"]
[]
["Hist3FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist2FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}}]
["Hist1FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}}]
["InterimFixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}}]
["ProForma1FixedCosts",{"$f":"SUM(#REF!,#REF!:#REF!,-#REF!,-#REF!,#REF!:#REF!,#REF!)","v":{"$error":"#REF!"}}]
[]
[]
["Contribution Margin"]
[]
["Hist3CM",{"$f":"IF(#REF!<>0,1-(Hist3VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1CM",{"$f":"IF(#REF!<>0,1-(PostLoan1VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}}]
["Hist2CM",{"$f":"IF(#REF!<>0,1-(Hist2VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2CM",{"$f":"IF(#REF!<>0,1-(PostLoan2VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}}]
["Hist1CM",{"$f":"IF(#REF!<>0,1-(Hist1VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3CM",{"$f":"IF(#REF!<>0,1-(PostLoan3VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}}]
["InterimCM",{"$f":"IF(#REF!<>0,1-(InterimVarCosts/#REF!),\"\")","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4CM",{"$f":"IF(#REF!<>0,1-(PostLoan4VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}}]
["ProForma1CM",{"$f":"IF(#REF!<>0,1-(ProForma1VarCosts/#REF!),\"\")","v":{"$error":"#REF!"}}]
[]
[]
["Z-Score"]
[]
[]
["Z_WorkCapFactor",6.51]
["Z_OpProfFactor",6.72]
["Z_RetEarnFactor",3.26]
["Z_TotNetWorthFactor",1.05]
[]
["Hist3TA",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1TA",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["Hist3TL",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan1TL",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["Hist3WorkCap",{"$f":"Hist3WC","v":{"$error":"#REF!"}},{"$f":"IF(Hist3TA<>0,B82/Hist3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C82*Z_WorkCapFactor),\"\",C82*Z_WorkCapFactor)","v":""},null,null,"PostLoan1WorkCap",{"$f":"PostLoan1WC","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan1TA<>0,H82/PostLoan1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I82*Z_WorkCapFactor),\"\",I82*Z_WorkCapFactor)","v":""}]
["Hist3OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist3TA<>0,B83/Hist3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C83*Z_OpProfFactor),\"\",C83*Z_OpProfFactor)","v":""},null,null,"PostLoan1OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan1TA<>0,H83/PostLoan1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I83*Z_OpProfFactor),\"\",I83*Z_OpProfFactor)","v":""}]
["Hist3RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist3TA<>0,B84/Hist3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C84*Z_RetEarnFactor),\"\",C84*Z_RetEarnFactor)","v":""},null,null,"PostLoan1RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan1TA<>0,H84/PostLoan1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I84*Z_RetEarnFactor),\"\",I84*Z_RetEarnFactor)","v":""}]
["Hist3TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist3TL<>0,B85/Hist3TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C85*Z_TotNetWorthFactor),\"\",C85*Z_TotNetWorthFactor)","v":""},null,null,"PostLoan1TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan1TL<>0,H85/PostLoan1TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I85*Z_TotNetWorthFactor),\"\",I85*Z_TotNetWorthFactor)","v":""}]
["Hist3ZScore",null,null,{"$f":"SUM(D82:D85)","v":0},null,null,"PostLoan1ZScore",null,null,{"$f":"SUM(J82:J85)","v":0}]
[]
[]
["Hist2TA",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2TA",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["Hist2TL",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan2TL",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["Hist2WorkCap",{"$f":"Hist2WC","v":{"$error":"#REF!"}},{"$f":"IF(Hist2TA<>0,B92/Hist2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C92*Z_WorkCapFactor),\"\",C92*Z_WorkCapFactor)","v":""},null,null,"PostLoan2WorkCap",{"$f":"PostLoan2WC","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan2TA<>0,H92/PostLoan2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I92*Z_WorkCapFactor),\"\",I92*Z_WorkCapFactor)","v":""}]
["Hist2OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist2TA<>0,B93/Hist2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C93*Z_OpProfFactor),\"\",C93*Z_OpProfFactor)","v":""},null,null,"PostLoan2OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan2TA<>0,H93/PostLoan2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I93*Z_OpProfFactor),\"\",I93*Z_OpProfFactor)","v":""}]
["Hist2RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist2TA<>0,B94/Hist2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C94*Z_RetEarnFactor),\"\",C94*Z_RetEarnFactor)","v":""},null,null,"PostLoan2RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan2TA<>0,H94/PostLoan2TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I94*Z_RetEarnFactor),\"\",I94*Z_RetEarnFactor)","v":""}]
["Hist2TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist2TL<>0,B95/Hist2TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C95*Z_TotNetWorthFactor),\"\",C95*Z_TotNetWorthFactor)","v":""},null,null,"PostLoan2TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan2TL<>0,H95/PostLoan2TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I95*Z_TotNetWorthFactor),\"\",I95*Z_TotNetWorthFactor)","v":""}]
["Hist2ZScore",null,null,{"$f":"SUM(D92:D95)","v":0},null,null,"PostLoan2ZScore",null,null,{"$f":"SUM(J92:J95)","v":0}]
[]
[]
["Hist1TA",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3TA",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["Hist1TL",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan3TL",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["Hist1WorkCap",{"$f":"Hist1WC","v":{"$error":"#REF!"}},{"$f":"IF(Hist1TA<>0,B102/Hist1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C102*Z_WorkCapFactor),\"\",C102*Z_WorkCapFactor)","v":""},null,null,"PostLoan3WorkCap",{"$f":"PostLoan3WC","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan3TA<>0,H102/PostLoan3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I102*Z_WorkCapFactor),\"\",I102*Z_WorkCapFactor)","v":""}]
["Hist1OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist1TA<>0,B103/Hist1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C103*Z_OpProfFactor),\"\",C103*Z_OpProfFactor)","v":""},null,null,"PostLoan3OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan3TA<>0,H103/PostLoan3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I103*Z_OpProfFactor),\"\",I103*Z_OpProfFactor)","v":""}]
["Hist1RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist1TA<>0,B104/Hist1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C104*Z_RetEarnFactor),\"\",C104*Z_RetEarnFactor)","v":""},null,null,"PostLoan3RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan3TA<>0,H104/PostLoan3TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I104*Z_RetEarnFactor),\"\",I104*Z_RetEarnFactor)","v":""}]
["Hist1TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(Hist1TL<>0,B105/Hist1TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C105*Z_TotNetWorthFactor),\"\",C105*Z_TotNetWorthFactor)","v":""},null,null,"PostLoan3TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan3TL<>0,H105/PostLoan3TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I105*Z_TotNetWorthFactor),\"\",I105*Z_TotNetWorthFactor)","v":""}]
["Hist1ZScore",null,null,{"$f":"SUM(D102:D105)","v":0},null,null,"PostLoan3ZScore",null,null,{"$f":"SUM(J102:J105)","v":0}]
[]
[]
["InterimTA",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4TA",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["InterimTL",{"$f":"#REF!","v":{"$error":"#REF!"}},null,null,null,null,"PostLoan4TL",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["InterimWorkCap",{"$f":"InterimWC","v":{"$error":"#REF!"}},{"$f":"IF(InterimTA<>0,B112/InterimTA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C112*Z_WorkCapFactor),\"\",C112*Z_WorkCapFactor)","v":""},null,null,"PostLoan4WorkCap",{"$f":"PostLoan4WC","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan4TA<>0,H112/PostLoan4TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I112*Z_WorkCapFactor),\"\",I112*Z_WorkCapFactor)","v":""}]
["InterimOpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(InterimTA<>0,B113/InterimTA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C113*Z_OpProfFactor),\"\",C113*Z_OpProfFactor)","v":""},null,null,"PostLoan4OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan4TA<>0,H113/PostLoan4TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I113*Z_OpProfFactor),\"\",I113*Z_OpProfFactor)","v":""}]
["InterimRetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(InterimTA<>0,B114/InterimTA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C114*Z_RetEarnFactor),\"\",C114*Z_RetEarnFactor)","v":""},null,null,"PostLoan4RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan4TA<>0,H114/PostLoan4TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I114*Z_RetEarnFactor),\"\",I114*Z_RetEarnFactor)","v":""}]
["InterimTotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(InterimTL<>0,B115/InterimTL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C115*Z_TotNetWorthFactor),\"\",C115*Z_TotNetWorthFactor)","v":""},null,null,"PostLoan4TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(PostLoan4TL<>0,H115/PostLoan4TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(I115*Z_TotNetWorthFactor),\"\",I115*Z_TotNetWorthFactor)","v":""}]
["InterimZScore",null,null,{"$f":"SUM(D112:D115)","v":0},null,null,"PostLoan4ZScore",null,null,{"$f":"SUM(J112:J115)","v":0}]
[]
[]
["ProForma1TA",{"$f":"#REF!","v":{"$error":"#REF!"}}]
["ProForma1TL",{"$f":"#REF!","v":{"$error":"#REF!"}}]
[]
["ProForma1WorkCap",{"$f":"ProForma1WC","v":{"$error":"#REF!"}},{"$f":"IF(ProForma1TA<>0,B122/ProForma1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C122*Z_WorkCapFactor),\"\",C122*Z_WorkCapFactor)","v":""}]
["ProForma1OpProf",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(ProForma1TA<>0,B123/ProForma1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C123*Z_OpProfFactor),\"\",C123*Z_OpProfFactor)","v":""}]
["ProForma1RetEarn",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(ProForma1TA<>0,B124/ProForma1TA,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C124*Z_RetEarnFactor),\"\",C124*Z_RetEarnFactor)","v":""}]
["ProForma1TotNetWorth",{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IF(ProForma1TL<>0,B125/ProForma1TL,\"\")","v":{"$error":"#REF!"}},{"$f":"IF(ISERROR(C125*Z_TotNetWorthFactor),\"\",C125*Z_TotNetWorthFactor)","v":""}]
["ProForma1ZScore",null,null,{"$f":"SUM(D122:D125)","v":0}]

{"sheet":"Minimum Needs List","index":1,"n_rows":122,"n_cols":15,"rows_kept":122,"cut":false,"hidden":false,"merged":[[0,12,0,14],[23,2,23,3],[23,4,23,13],[11,2,11,3],[11,4,11,13],[16,2,16,3],[16,4,16,13],[18,2,18,3],[18,4,18,13],[4,0,4,14],[6,0,6,14],[13,0,13,14],[10,2,10,3],[10,4,10,13],[9,2,9,3],[9,4,9,13],[7,2,7,3],[14,2,14,3],[12,2,12,3],[15,2,15,3],[8,2,8,3],[17,2,17,3],[19,2,19,3],[20,2,20,3],[127,0,127,4],[127,5,127,13],[128,0,128,4],[128,5,128,13],[129,0,129,4],[129,5,129,13],[58,2,58,3],[58,4,58,13],[59,2,59,3],[59,4,59,13],[110,0,110,14],[112,0,112,14],[121,0,125,14],[63,4,63,13],[64,2,64,3],[64,4,64,13],[60,4,60,13],[61,2,61,3],[61,4,61,13],[62,2,62,3],[62,4,62,13],[126,0,126,4],[126,5,126,13],[113,4,113,13],[114,4,114,13],[115,4,115,13],[116,4,116,13],[118,2,118,3],[118,4,118,13],[117,4,117,13],[114,2,114,3],[115,2,115,3],[116,2,116,3],[117,2,117,3],[113,2,113,3],[111,4,111,13],[5,4,5,13],[7,4,7,13],[14,4,14,13],[12,4,12,13],[15,4,15,13],[17,4,17,13],[19,4,19,13],[20,4,20,13],[21,4,21,13],[22,4,22,13],[8,4,8,13],[38,4,38,13],[39,2,39,3],[39,4,39,13],[40,2,40,3],[40,4,40,13],[43,4,43,13],[44,4,44,13],[27,4,27,13],[31,2,31,3],[31,4,31,13],[32,2,32,3],[32,4,32,13],[33,2,33,3],[33,4,33,13],[28,2,28,3],[28,4,28,13],[29,2,29,3],[29,4,29,13],[30,2,30,3],[30,4,30,13],[111,2,111,3],[38,2,38,3],[41,2,41,3],[60,2,60,3],[63,2,63,3],[43,2,43,3],[44,2,44,3],[45,2,45,3],[46,2,46,3],[47,2,47,3],[48,2,48,3],[49,0,49,14],[50,2,50,3],[50,4,50,13],[51,2,51,3],[51,4,51,13],[57,2,57,3],[52,4,52,13],[53,2,53,3],[53,4,53,13],[54,2,54,3],[54,4,54,13],[48,4,48,13],[52,2,52,3],[35,0,35,14],[37,2,37,3],[37,4,37,13],[41,4,41,13],[45,4,45,13],[34,2,34,3],[34,4,34,13],[2,15,2,16],[3,0,3,2],[3,5,3,7],[3,8,3,10],[2,0,2,2],[2,5,2,7],[2,8,2,10],[2,12,2,14],[5,2,5,3],[21,2,21,3],[22,2,22,3],[24,0,24,14],[25,2,25,3],[25,4,25,13],[26,2,26,3],[26,4,26,13],[27,2,27,3],[65,0,65,14],[66,2,66,3],[66,4,66,13],[57,4,57,13],[56,0,56,14],[55,2,55,3],[55,4,55,13],[42,0,42,14],[36,2,36,3],[36,4,36,13],[46,4,46,13],[47,4,47,13],[70,2,70,3],[70,4,70,13],[71,2,71,3],[71,4,71,13],[72,2,72,3],[72,4,72,13],[67,2,67,3],[67,4,67,13],[68,2,68,3],[68,4,68,13],[69,2,69,3],[69,4,69,13],[76,2,76,3],[76,4,76,13],[77,2,77,3],[77,4,77,13],[78,2,78,3],[78,4,78,13],[73,2,73,3],[73,4,73,13],[74,0,74,14],[75,2,75,3],[75,4,75,13],[82,2,82,3],[82,4,82,13],[83,0,83,14],[84,2,84,3],[84,4,84,13],[79,2,79,3],[79,4,79,13],[80,2,80,3],[80,4,80,13],[81,2,81,3],[81,4,81,13],[88,2,88,3],[88,4,88,13],[89,2,89,3],[89,4,89,13],[90,2,90,3],[90,4,90,13],[85,2,85,3],[85,4,85,13],[86,2,86,3],[86,4,86,13],[87,2,87,3],[87,4,87,13],[94,2,94,3],[94,4,94,13],[95,2,95,3],[95,4,95,13],[96,2,96,3],[96,4,96,13],[91,2,91,3],[91,4,91,13],[92,0,92,14],[93,2,93,3],[93,4,93,13],[100,2,100,3],[100,4,100,13],[101,0,101,14],[102,2,102,3],[102,4,102,13],[97,2,97,3],[97,4,97,13],[98,2,98,3],[98,4,98,13],[99,2,99,3],[99,4,99,13],[109,2,109,3],[109,4,109,13],[106,2,106,3],[106,4,106,13],[107,2,107,3],[107,4,107,13],[108,2,108,3],[108,4,108,13],[103,2,103,3],[103,4,103,13],[104,2,104,3],[104,4,104,13],[105,2,105,3],[105,4,105,13]]}
[null,null,null,null,null,null,null,null,null,null,null,null,"Loan Name: ___________________\nPacket #:      ___________________\nBDO:             ___________________\nScanner:        ___________________\nDate:             "]
[]
["Number of Borrowers",null,null,null,null,"Number of Guarantors"]
["Number of Affiliates",null,null,null,null,"Construction"]
["Minimum Needs List & File Organization"]
["Uploaded","Included","Explanation (if No)",null,"Description",null,null,null,null,null,null,null,null,null,"File Name"]
["Application Documents Folder"]
[null,null,null,null,"General Business & Project Detail & Application",null,null,null,null,null,null,null,null,null,"Business Plan, Application, "]
[null,null,null,null,"Copy of Purchase Contract with Break Down of Assets Being Purchased (Business Acquisition ONLY)",null,null,null,null,null,null,null,null,null,"Asset Purchase Agreement"]
[null,null,null,null,"Copy of Note(s) to be Refinanced (Debt Refinance ONLY)",null,null,null,null,null,null,null,null,null,"Note for Refinance"]
[null,null,null,null,"Gallonage Reports (Gas Stations ONLY)",null,null,null,null,null,null,null,null,null,"Gallonage Report"]
[null,null,null,null,"STAR Report (Hotel/Motel ONLY)",null,null,null,null,null,null,null,null,null,"STAR Report"]
[null,null,null,null,"Lease Agreements (Leased Properties ONLY)",null,null,null,null,null,null,null,null,null,"Lease Agreement"]
["Corporate Docs (Borrower)"]
[null,null,null,null,"History of Business OR Business Plan",null,null,null,null,null,null,null,null,null,"Business History"]
[null,null,null,null,"2 Years Projections WITH ASSUMPTIONS",null,null,null,null,null,null,null,null,null,"Projections"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"2017 Interim Profit & Loss Statements Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2017 Interim Balance Sheet Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2016 Complete Business Tax Returns or year end finanicals if tax returns not available ",null,null,null,null,null,null,null,null,null,"2016 Business Tax Return"]
[null,null,null,null,"2015 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2015 Business Tax Return"]
[null,null,null,null,"2014 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2014 Business Tax Return"]
[null,null,null,null,"Current Debt Schedule",null,null,null,null,null,null,null,null,null,"Debt Schedule"]
[null,null,null,null,"Franchise Agreement (Franchise ONLY)",null,null,null,null,null,null,null,null,null,"Franchise Agreement"]
["Corporate Docs (Borrower)"]
[null,null,null,null,"History of Business OR Business Plan",null,null,null,null,null,null,null,null,null,"Business History"]
[null,null,null,null,"2 Years Projections WITH ASSUMPTIONS",null,null,null,null,null,null,null,null,null,"Projections"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"2017 Interim Profit & Loss Statements Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2017 Interim Balance Sheet Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2016 Complete Business Tax Returns or year end finanicals if tax returns not available ",null,null,null,null,null,null,null,null,null,"2016 Business Tax Return"]
[null,null,null,null,"2015 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2015 Business Tax Return"]
[null,null,null,null,"2014 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2014 Business Tax Return"]
[null,null,null,null,"Current Debt Schedule",null,null,null,null,null,null,null,null,null,"Debt Schedule"]
[null,null,null,null,"Franchise Agreement (Franchise ONLY)",null,null,null,null,null,null,null,null,null,"Franchise Agreement"]
["Corporate Docs (For Each Affiliate)"]
[null,null,null,null,"2017 Interim Profit & Loss Statements Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2017 Interim Balance Sheet Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2016 Complete Business Tax Returns or year end finanicals if tax returns not available ",null,null,null,null,null,null,null,null,null,"2016 Business Tax Return"]
[null,null,null,null,"2015 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2015 Business Tax Return"]
[null,null,null,null,"2014 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2014 Business Tax Return"]
[null,null,null,null,"Current Debt Schedule ",null,null,null,null,null,null,null,null,null,"Debt Schedule"]
["Corporate Docs (For Each Affiliate)"]
[null,null,null,null,"2017 Interim Profit & Loss Statements Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2017 Interim Balance Sheet Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2016 Complete Business Tax Returns or year end finanicals if tax returns not available ",null,null,null,null,null,null,null,null,null,"2016 Business Tax Return"]
[null,null,null,null,"2015 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2015 Business Tax Return"]
[null,null,null,null,"2014 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2014 Business Tax Return"]
[null,null,null,null,"Current Debt Schedule ",null,null,null,null,null,null,null,null,null,"Debt Schedule"]
["Corporate Docs (For Each Affiliate)"]
[null,null,null,null,"2017 Interim Profit & Loss Statements Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2017 Interim Balance Sheet Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Interim Financial Statements"]
[null,null,null,null,"2016 Complete Business Tax Returns or year end finanicals if tax returns not available ",null,null,null,null,null,null,null,null,null,"2016 Business Tax Return"]
[null,null,null,null,"2015 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2015 Business Tax Return"]
[null,null,null,null,"2014 Complete Business Tax Returns ",null,null,null,null,null,null,null,null,null,"2014 Business Tax Return"]
[null,null,null,null,"Current Debt Schedule ",null,null,null,null,null,null,null,null,null,"Debt Schedule"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. If 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2015 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. \nIf 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2013 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. \nIf 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2013 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. \nIf 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2013 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. \nIf 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2013 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Individual Docs (For Each Guarantor)"]
[null,null,null,null,"Manager and/or Owner Profiles OR Resumes",null,null,null,null,null,null,null,null,null,"Management Resume"]
[null,null,null,null,"2016 Complete Personal Tax Returns or W2 if Tax Returns Not Filed Yet. \nIf 2016 taxes are not available please provide 2015 Complete Personal Tax Returns in addition to the W2.",null,null,null,null,null,null,null,null,null,"2016 Personal Tax Return"]
[null,null,null,null,"2014 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2015 Personal Tax Return"]
[null,null,null,null,"2013 Complete Personal Tax Returns",null,null,null,null,null,null,null,null,null,"2014 Personal Tax Return"]
[null,null,null,null,"Bank Statements (within 30 days) to Show Post Closing Liquidity ",null,null,null,null,null,null,null,null,null,"Bank Statement"]
[null,null,null,null,"Personal Financial Statement Dated w/in the Last 90 Days ",null,null,null,null,null,null,null,null,null,"Personal Financial Statement"]
[null,null,null,null,"1919 Form",null,null,null,null,null,null,null,null,null,"SBA Form 1919"]
[null,null,null,null,"Signed Authorization to Release ",null,null,null,null,null,null,null,null,null,"Authorization to Release"]
["Collateral"]
[null,null,null,null,"Copy of REPC (Real Estate Purchase ONLY)",null,null,null,null,null,null,null,null,null,"Real Estate Purchase Contract"]
["Construction (Construction loans ONLY)"]
[null,null,null,null,"Builders Questionnaire",null,null,null,null,null,null,null,null,null,"Contractor Resume"]
[null,null,null,null,"Builders License",null,null,null,null,null,null,null,null,null,"Contractor License"]
[null,null,null,null,"Builders Risk Insurance",null,null,null,null,null,null,null,null,null,"Contractor Insurance Information"]
[null,null,null,null,"Construction Cost Breakdown from GC",null,null,null,null,null,null,null,null,null,"Cost Breakdown"]
[null,null,null,null,"Equipment Cost Breakdown and Bids",null,null,null,null,null,null,null,null,null,"Cost Breakdown"]
[null,null,null,null,"Copy of Building Plans and Specs and Site Plan",null,null,null,null,null,null,null,null,null,"Plans & Specs"]
["Total #","Total #"]
[{"$f":"COUNTIF(A8:A119,\"Yes\")","v":0},{"$f":"COUNTIF(B8:B119,\"Yes\")","v":0}]
["Notes Regarding Packet:"]