SBA lenders
Business valuations, business plans, feasibility studies, financial projections and lender-ready analysis for acquisition and expansion financing.
Independent financial judgment
Clear analysis for consequential business decisions.
Business valuations, credit analysis, feasibility studies and practical financial consulting for lenders, attorneys, investors and business owners.
30+Years of experience
$2 BillionFinanced for businesses
500+Businesses helped
Who we help
Experience on both sides of the decision.
Commercial lenders
Valuations, cash-flow and repayment analysis, projections, feasibility studies and financing support for commercial credit decisions.
Attorneys
Independent valuations and financial analysis for litigation, divorce, estates and trusts, shareholder matters and other legal proceedings.
CPAs
Valuations, business plans, feasibility studies and projections that help CPAs support their clients’ financing, succession and transaction needs.
Investors
Valuations, feasibility studies, lease analysis and financing support to evaluate opportunities, risk and expected returns.
Business owners
Valuations, profit optimization, business plans, feasibility studies, projections, financing support and practical growth planning.
What we do
Analysis shaped around the decision.
Foresight Metrics combines commercial credit discipline, valuation rigor and business-owner practicality. The objective is not a longer report. It is a clearer basis for action.
Business Valuation
Independent, defensible valuations for privately held companies with $1 million to $100 million in revenue.
Financial, operational and market evidence supports financing, succession, sale, litigation and strategic planning decisions.
Credit & Financial Analysis
Clear underwriting for lenders, credit officers, investors and other decision-makers.
Historical and projected performance, repayment capacity, market conditions and deal structure are evaluated together.
Business Plans & Feasibility
Business plans and forecasts built on realistic operating assumptions and disciplined financial thinking.
Revenue drivers, expenses, cash flow, capital needs, demand, competition, pricing and break-even economics are tested before capital is committed.
Consulting & Profit Optimization
Practical analysis of how the business earns, spends and converts activity into cash flow.
Owners receive clear recommendations to improve margins, address bottlenecks, evaluate expansion and strengthen operating performance.
Representative engagements
Work that supports real decisions.
Selected engagements are presented anonymously to preserve client confidentiality. They illustrate the range of decisions Foresight Metrics has supported.
Carpet Cleaning Business
$1.325M
Litigation
Liquor Retailer
$1.600M
SBA Acquisition
Multifamily Project
$14.5M
Construction
The working standard
Financial evidence first. Practical judgment throughout.
Every engagement begins with the economic question that needs to be answered. The analysis follows the facts, tests the risks and ends with conclusions a lender, attorney, investor or owner can use.
- 01Define the decision
Clarify the purpose, audience, timing and required support.
- 02Build the evidence
Evaluate financial, operational and market facts.
- 03Deliver usable judgment
State the conclusion, its support and the practical implications.
Steve ApodacaFounder & Principal
About Foresight Metrics
Banking discipline. Ownership perspective.
I'm Steve Apodaca, Founder and Principal of Foresight Metrics. With more than 30 years in commercial banking, financial analysis, business ownership and valuation, I provide clear, defensible insight that helps clients move forward with confidence.
Clients work directly with me because I understand how businesses operate, how lenders think and what drives value. My approach is straightforward: accurate work, direct communication and recommendations that can be used immediately.
Professional credentialsQualified, experienced and independent
- Bachelor of Business Administration with concentrations in Finance and Management Information Systems
- Commercial Credit Banking Certification from Southeast Bank
- Business Certified Appraiser (BCA), International Society of Business Appraisers
- Member, National Association of Certified Valuators and Analysts
- LEK/Alcar certification in Investment Banking and Corporate Finance
Recognized standards. Valuation work is grounded in accepted industry approaches and applicable USPAP and ISBA guidance.
Strict confidentiality. Financial records, legal matters, documents and communications are handled with care—no exceptions.
Start a conversation
Bring the next decision into focus.
Tell me what you are evaluating, who will rely on the work and when the decision needs to be made. I'll respond with a practical next step.