FORESIGHT METRICS, LLC
Business Valuation - Consulting - Profit Optimization - Collateral Inspections - Credit Analysis - Feasibility Studies - Business Plans - Litigation Support
Business Valuation
Understanding what your business is truly worth is essential for planning, financing, partnership changes, growth, and exit decisions. A Certified Business Appraiser brings independent, defensible analysis grounded in recognized valuation standards — something informal estimates or broker opinions can’t provide. I specialize in valuing privately held companies with $1 million to $100 million in revenue, using proven methods supported by financial, operational, and market data. A proper valuation gives owners clarity, strengthens negotiations, supports SBA and bank financing, and provides a reliable foundation for succession, sale, or strategic planning.
Consulting and Profit Optimization
Effective consulting starts with understanding how a business actually works — its cash flow, cost structure, customer base, and market position. I help owners identify bottlenecks, uncover hidden profit opportunities, and improve operational efficiency using data-driven analysis and proven financial methods. Whether it's improving margins, evaluating expansion plans, or solving day-to-day performance issues, the goal is straightforward: build a stronger, more profitable business. My work gives owners clear recommendations, measurable improvements, and practical strategies they can implement immediately.
Commercial Real Estate Inspections
A clear understanding of a property’s physical condition is critical for lending, acquisition, and portfolio management. My inspections follow CPIA-style standards, evaluating structural components, roofing, HVAC, electrical, plumbing, life-safety, site conditions, and deferred maintenance. The goal is straightforward: identify issues that affect value, operating costs, and risk. I provide lenders, investors, and owners with practical, unbiased findings and clear recommendations so they can structure stronger deals, estimate repair costs accurately, and avoid surprises after closing.
Credit & Financial Analysis
Accurate credit and financial analysis is the foundation of sound lending and investment decisions. I review historical and projected financial statements, cash flow coverage, collateral quality, and market conditions to identify risks and verify repayment capacity. My underwriting process blends quantitative assessment with qualitative judgment to determine the viability and structure of new loans or investments. This disciplined approach ensures that lenders, SBA Business Development Officers, and investors receive clear, defensible credit memos and financial analyses that improve approval odds, optimize terms, and protect capital.
Business Plans, Forecasting & Feasibility Studies
A solid business plan starts with clear financial thinking. I build plans supported by detailed projections, market analysis, and realistic operating assumptions.My financial forecasts evaluate revenue drivers, expense structure, cash flow, and capital needs to show how the business will perform under real conditions.For feasibility studies, I dig into demand, competition, pricing, and break-even economics to determine whether an idea is truly viable. The result is a practical, data-driven assessment that strengthens SBA and bank submissions, guides investment decisions, and gives owners confidence before committing capital.
30
Years of experience in Business, Lending & Financial Analysis
$2 Billion
Amount financed for businesses
500+
Number of business helped
Steve Apodaca
I’m Steve Apodaca, Founder & Principal of Foresight Metrics. With over 30 years in commercial banking, financial analysis, business ownership, and valuation, I deliver clear, defensible insights that help clients make better decisions and move faster. I serve commercial realtors, accountants, attorneys, SBA lenders, commercial lenders, credit officers, investors, and business owners who need reliable valuations, underwriting support, feasibility reviews, and strategic financial guidance.
Clients trust me because I understand how businesses actually run, how lenders think, and what drives real value. My goal is to deliver high-quality analysis that helps you win deals, reduce risk, and plan with confidence.You can count on work that meets the highest professional standards. Every valuation follows recognized industry guidelines, including USPAP and ISBA methodologies, and every commercial property inspection aligns with CCPIA best-practice protocols. I adhere strictly to federal, state, and SBA requirements, ensuring that all reports are accurate, defensible, and compliant. All client information is handled with complete confidentiality — no exceptions. Whether the engagement involves sensitive financials, legal matters, or investment decisions, you can trust that your data, documents, and communications remain secure and protected at all times.
My approach is straightforward: professional work, fast turnaround, and service you can count on. I focus on accuracy, communication, and practical recommendations that clients can use immediately — not theory or fluff. I hold a BBA in Finance and Management Information Systems, a Commercial Credit Certification from Southeast Bank, and professional credentials as a Certified Business Appraiser (ISBA) and Certified Commercial Property Inspector (CCPIA).
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Thank you
Thank you for visiting our website. We look forward to serving you. We look to the future and success with Foresight.