FORESIGHT METRICS, LLC
Business Valuations, Credit Analysis & Financial Consulting
30+ years helping lenders, attorneys, investors and business owners make defensible financial decisions.
Business Valuation
Know what your business is worth and why. I provide independent, defensible valuations for privately held companies with $1 million to $100 million in revenue.Each valuation is grounded in financial, operational, and market data, giving owners, lenders, attorneys, and investors reliable support for financing, succession, sale, litigation, or strategic planning.
Business Plans, Forecasting & Feasibility Studies
A strong business plan starts with clear financial thinking. I build plans supported by detailed projections, market analysis, and realistic operating assumptions.Forecasts evaluate revenue drivers, expense structure, cash flow, and capital needs. Feasibility studies test demand, competition, pricing, and break-even economics so owners, lenders, and investors can decide with confidence before committing capital.
Credit & Financial Analysis
Sound lending and investment decisions depend on clear credit analysis. I review historical and projected financial statements, repayment capacity, collateral quality, market conditions, and deal structure.The result is a practical, defensible analysis that helps commercial lenders, SBA lenders, credit officers, and investors improve approval odds, optimize terms, and protect capital.
Consulting and Profit Optimization
Effective consulting starts with understanding how a business actually works: cash flow, cost structure, customers, operations, and market position.I help owners identify bottlenecks, uncover hidden profit opportunities, evaluate expansion plans, and improve margins with practical recommendations 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 CCPIA-style standards, evaluating structure, roofing, HVAC, electrical, plumbing, life-safety, site conditions, and deferred maintenance.I provide lenders, investors, and owners with practical, unbiased findings so they can estimate repair costs, structure stronger deals, and avoid surprises after closing.
30
Years of experience in Business, Lending & Financial Analysis
$2 Billion
Amount financed for businesses
500+
Number of businesses 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.Who I help: commercial realtors, accountants, attorneys, SBA lenders, commercial lenders, credit officers, investors, and business owners who need reliable valuations, underwriting support, feasibility reviews, collateral insight, 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 help you win deals, reduce risk, and plan with confidence.Every valuation follows recognized industry guidelines, including USPAP and ISBA methodologies, and every commercial property inspection aligns with CCPIA best-practice protocols. I follow applicable federal, state, and SBA requirements, and I treat client financials, legal matters, investment materials, documents, and communications with complete confidentiality.
I hold a Bachelor's of Business Administration with concentrations in Finance and Management Information Systems;Commercial Credit Banking Certification from Southeast Bank;Professional certification as a Business Certified Appraiser (BCA) from the International Society of Business Appraisers (ISBA);Commercial Property Inspector Training through the Certified Commercial Property Inspectors Association (CCPIA);Member of the National Association of Certified Valuators and Analysts;Certification from LEK/Alcar in Investment Banking and Corporate Finance.
Thank you
Thank you for visiting Foresight Metrics. I look forward to helping you make clear, confident financial decisions.
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