Commercial Credit Intelligence
A practical framework for a more disciplined, resilient, and valuable business.
Managing Debt, Covenants, Liquidity, and Lender Relationships. The book presents a continuous, portfolio-wide discipline for understanding obligations, covenant standing, financial information, and decisions across commercial credit agreements.
Understand the obligations. Anticipate the risks. Strengthen the decisions.
An integrated view
of enterprise debt.
The manuscript develops five connected capabilities, supported by a data foundation built on completeness, normalization, provenance, and timeliness.
Manage borrowing as an integrated portfolio.
Enterprise debt connects obligations, operating needs, financial risk and strategy. A portfolio perspective makes those relationships visible.
View Purchase OptionsUnderstand financing obligations across the enterprise.
Establish consistent governance, monitoring, and reporting.
Connect debt information with financial strategy.
Specialized financial counsel.
Selective, senior-level advisory engagements for complex capital decisions and commercial credit matters.
Executive advisory engagements are delivered through Perrin & Co., LLC.
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Ryan Toncheff, MBA
More than 20 years across commercial banking, corporate financial leadership, and capital advisory, spanning commercial credit, capital structure, debt restructuring, liquidity, and lender relationships.
Partner, Perrin & Co., LLC
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