Marsch Consulting LLC · Borrower portal

Curador Holdings, Inc.

Borrower view · DEV (stubbed auth)
2
Overdue
2
Due soon
0
Awaiting review
2
Covenant breaches

To submit

4 need uploading
Monthly Financial Package
May 2026 · due Jun 15, 2026
Overdue
Compliance Certificate
May 2026 · due Jun 15, 2026
Overdue
Monthly Financial Package
Jun 2026 · due Jul 15, 2026
Due soon
Compliance Certificate
Jun 2026 · due Jul 15, 2026
Due soon
0 awaiting lender review25 upcoming later6 recently accepted

Covenant standing

In breach
Debt Service Coverage Ratio§5.10
Actual 0.95x · Limit 2.00x · Cushion -1.05x ↓
Breach
Fixed Charge Coverage Ratio§5.9
Actual 0.77x · Limit 1.15x · Cushion -0.38x ↓
Breach
Minimum Tangible Net Worth§5.11
Actual $2,259,768 · Limit $2,000,000 · Cushion $259,768 ·
In compliance
+ 12 affirmative & negative covenants tracked
$1,050,000 in planned distributions blocked. §5.4 bars distributions until your financial covenants are back in compliance.

Check my covenant standing

Runs your latest uploaded financials through your covenants — a private preview, not an official test.

Forward outlook — next covenant test

Next test Jun 30, 2026
To stay compliant

TTM EBITDA must reach at least $976,000 at the next test — the binding constraint across Debt Service Coverage Ratio and Fixed Charge Coverage Ratio.

Debt Service Coverage Ratio§5.10
Projected breach

At the June 30, 2026 test, TTM EBITDA must reach at least $976,000 (2.00x × debt service (interest + scheduled principal) of $488,000) to satisfy the 2.00x Debt Service Coverage Ratio. Latest interim TTM EBITDA was $463,000 — a $513,000 shortfall.

Fixed Charge Coverage Ratio§5.9
Projected breach

At the June 30, 2026 test, TTM EBITDA + income taxes must reach at least $748,650 (1.15x × fixed charges (interest + principal + taxes + distributions + maint. CapEx) of $651,000) to satisfy the 1.15x Fixed Charge Coverage Ratio. Latest interim TTM EBITDA + income taxes was $501,000 — a $247,650 shortfall.

Minimum Tangible Net Worth§5.11
On track

At the June 30, 2026 test, Minimum Tangible Net Worth must stay at or above $2,000,000. Latest reading $2,259,768 — $259,768 of headroom.