Carlon Analytics

Commercial lease & business underwriting

This is the deeper layer after a YieldLens screen: gross margin, operating costs, staffing, opening capital, funding, cash pressure and lease exposure are reviewed together before you commit. Standard scope is £295 for one UK site and one business concept.

Standard scope £295

Target 3 working days after evidence

No payment at intake

Standard underwriting scope

A deeper decision review for one commercial site.

The £49 YieldLens file structures the screening result. The Carlon Analytics review goes further into the operating model, funding position and lease exposure, then brings the evidence and sensitivities together into an analyst-reviewed decision memo.

Operating model, gross margin and cost-base review

Opening capital, funding requirement and cash runway

Downside sensitivities and commercial pressure points

Lease-cost exposure and negotiation priorities

Proceed, renegotiate or pause decision view

One clarification round after delivery

Standard scope

£295

One UK commercial site and one business concept.

Turnaround: target 3 working days after the required evidence is received and scope is confirmed.

Evidence: documents are requested separately after the intake where needed.

Complex work: multi-site or materially wider assignments are quoted separately before work starts.

Commercial decision-support only. It is not legal advice, a property valuation, tax advice or regulated financial advice.

1 · Contact & decision stage

Who is making the decision, and how far along is it?

These fields tell us what you are assessing and how urgent the underwriting is.

Contact nameCoreEmailCorePhoneBusiness / trading nameBusiness typeCoreCurrent stageCoreTarget decision / signing date

2 · Site & lease

What are you being asked to commit to?

Use the figures currently on the table. If a term is unknown, leave it blank rather than guessing.

Site address or unit descriptionCorePostcodeCoreListing / agent URLAnnual rent (£)CoreLease term (years)Rent-free period (months)Annual service charge (£)Annual insurance contribution (£)Annual business rates (£)Rent deposit (£)Personal guaranteeBreak clauseRepairing obligations / unusual lease terms

3 · Business economics

What has to happen operationally for the site to work?

Gross margin is essential here because this is where the underwriting becomes materially deeper than the YieldLens screening calculation.

Target monthly revenue (£)CoreGross margin (%)CoreAverage spend / customer (£)Expected customers / dayOpening days / monthMonthly staff cost (£)Monthly utilities (£)Monthly marketing (£)Monthly software / professional fees (£)Other monthly operating costs (£)

4 · Opening capital & funding

How much cash is required before the business has a chance to trade?

Separate your own cash from external funding. Unknown items can be left blank and treated as evidence gaps.

Fit-out budget (£)Equipment budget (£)Opening stock (£)Legal / professional fees (£)Licences / pre-opening costs (£)Contingency budget (£)Own cash available (£)External funding amount (£)Funding interest rate (%)Funding term (months)

5 · Evidence & questions

What evidence already exists, and what worries you most?

No documents are uploaded through this V0 form. Tick what you already have so we know what can be requested securely during review.

Evidence notesWhat are you most concerned about?Anything else we should know?

Submitting this form is a request for scope review, not a purchase. If the case fits the standard one-site scope, the fee is £295. We may ask for supporting evidence before confirming the engagement. The figures remain unverified assumptions until supporting evidence is reviewed. This is not legal, tax, valuation or regulated financial advice.