News & Updates

When looking at a 3-year spread, what do you do if one of the statements is a substantial outlier? How can you establish a reasonable expectation of ability to repay? We know that past performance is...

The COVID-19 pandemic has changed the way people run their businesses indefinitely. Not only have we had to get used to new restrictions, working conditions, and hours, but we’ve also had to find...

When it comes to small business lending, you already know that conducting a global cash flow analysis is a must. These businesses may not cash flow sufficiently on their own, so you have to know how...

Decades ago, the introduction of spreadsheet software mostly eliminated the physical act of “spreading” financial statements, running ratios on a calculator or creating a cash flow analysis by hand...