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Small banks and credit unions face a challenge as they grow–how to scale financial statement analysis as the bank’s portfolio expands. While growth clearly shows you’re doing something right, you...
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...
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...
