On this episode of B2B SaaS Talks, Lucas and Luna drill into a fresh demand appearing in enterprise procurement: vendors must now submit to financial viability checks that go far beyond a D&B report. They trace a real mid-market SaaS deal that stalled for six weeks because the buyer's risk team wanted audited financials, a debt schedule, and a covenant analysis from a vendor pulling in $12 million ARR. Lucas explains why asset-light software companies face specific scrutiny — negative working capital, recurring revenue concentration, and thin collateral — and why the old 'we're growing, we're fine' pitch no longer lands. Luna pushes back on how much financial transparency is reasonable for a private company, and they land on a pragmatic framework: what to share, what to redact, and how to frame a three-year survivability projection. If you sell software to enterprises, this episode gives you the language to answer the new RFP section without giving away the whole kitchen sink.