← Blog

Fourteen circles labelled N1 to N14

The MLC3 methodology has three phases:

  • Data (N1–N5): documents, income, costs, assets, debts.
  • Analysis (N6–N10): liquidity, cash flows, ratios, scenarios, sensitivity.
  • Synthesis (N11–N14): Monte Carlo, repayment capacity, report, monitoring.

What matters is not the number of steps but that every step leaves a trace: a table, a ratio or a chart that someone else can check.

All the steps: Methodology.