Recommend the facility based on the below strong points.

1. Interest Coverage Ratio (18.86):
   • Indicates the client can comfortably cover interest expenses on existing debts, suggesting a strong ability to manage additional debt.
2. Current Ratio (4.53):
   • A value above 1.0 indicates good liquidity and the client's ability to meet short-term liabilities.
3. Debt to Equity Ratio (0.65):
   • This moderate ratio suggests the client utilizes a balanced mix of debt and equity, indicating manageable risk for new borrowing.
4. Debt Coverage Ratio (6.19):
   • Suggests the client's earnings sufficiently cover debt obligations, indicating good creditworthiness.
5. Net Profit Margin (39.96%):
   • A high net profit margin indicates the client retains a significant portion of revenue as profit, suggesting financial strength.
6. Loan to Value (LTV) Ratio (130.62%):
   • An LTV over 100% implies the loan amount exceeds the property's appraised value, potentially making it a riskier loan.

Conclusion:

While the client demonstrates strong liquidity, profitability, and ability to cover interest and debt obligations, the elevated Loan to Value ratio is concerning. The loan amount surpasses the value of the collateral, increasing risk. Approval may depend on renegotiation of terms, additional collateral, or a higher down payment to reduce the LTV ratio.

The client appears financially capable of managing the loan, but steps should be taken to address the high LTV. Ensure compliance with lender guidelines and risk assessments before proceeding.