Credit Audit
Long-term debts + short-term debts + current trade payables
Net Worth minus Intangible Assets (Goodwill, Patents, Deferred Tax)
TOL / TNW RATIO
Leverage Percentage
Bank Acceptability
TOL / TNW Formula: Total Outside Liabilities (TOL) ÷ Tangible Net Worth (TNW).
Banking Benchmark: In institutional credit appraisals, standard commercial bankers generally mandate a TOL/TNW ratio under **3.0x** to pass primary underwriting screens. Ratios above **4.0x** alert credit underwriters to heightened capital gearing risks.
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Input overall outside liabilities and tangible net values above to audit credit structure metrics.
