Senior management’s focus, in this regard, is in line with the given banker’s opinion in respect to their formulas employed in evaluating the cash flow to debt. These formulas compare cash flow to debt service, to which most financiers want to see a cash flow that is 1.25 times to 1.5 times its debt service; thus, ensuring HD Faculty™ has the ratio to ensure that HD Faculty™ has enough cash to honour its obligations.

Another rule of thumb in respect to lending by given financial institutions is the debt-to-equity ratio.

Typically a financier does not like to see companies with more than a 3-to-1 debt-to-equity ratio. "The maximum they want to see is one dollar coming in for every three dollars owed.