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Annual debt service is a foundational calculation for financial statement spreading and evaluating small business loans. Much like other key calculations, getting annual debt service right is...
Credit unions and banks that use Excel for financial statement analysis have likely encountered the common pitfalls of the application: overwritten templates, broken formulas, and lack of...
Small business lending is a numbers game, but when it comes to managing risk, there are subjective aspects of the process that go beyond the borrower’s cash flow and debt service coverage ratio...
Loan analysts use Excel nearly every day. Many learned the formulas, functions, and how to set up spreads on their own, asking colleagues or searching the internet for help. Even with their hands-on...
A good debt service coverage ratio analysis is the primary factor in demonstrating a business’s ability to meet its debt obligations. To complete a debt service analysis, lenders calculate the debt...
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...
