Martin Kudelas is a highly experienced financial professional, working across multiple international markets in the financial services industry. After graduating from the University of Economics in Prague specialising in Corporate Finance and Financial Management, he began his career at a subsidiary of Austrian Raiffeisen Zentralbank, Tatra Bank. Starting out as a Financial Advisor, Martin later progressed to become a Credit Product Specialist for the bank's small business clients.
With demonstrated skills in management, corporate finance, credit analysis, data analysis, and financial services, Martin is currently helping Aussie small businesses grow in his role as Senior Credit Analyst for Spotcap Australia and New Zealand.
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"Success consists of going from failure to failure without loss of enthusiasm" - Sir Winston Leonard Spencer Churchill
Simply put, a DSCR is an acronym for Debt Service Coverage Ratio; a calculation lenders and other institutions use to assess your business credit.