By Morton Glantz
The want for "back to fundamentals" information regarding credits hazard has now not disappeared; in truth, it has grown between creditors and traders who've no effortless how you can find out about their consumers. This brief and readable publication publications readers via center risk/performance concerns. Readers examine the methods and technique of working extra effective companies, evaluate financial institution and investor necessities as they evaluation investment requests, achieve wisdom promoting themselves, self assurance in enterprise plans, and their skill to make solid on loans. they could obtain robust instruments reminiscent of banker’s funds movement versions and forecast equations programmable right into a mobile or capsule. Readers can punch keys to envision monetary wishes, calculate revenues development premiums calling for exterior financing, gains required to internally finance their enterprises, and how one can place profit development premiums in equilibrium with their firm’s capital constitution – a rock-solid promoting element between clever creditors and traders.
The book’s "how-to," sensible and systematical consultant to credits and danger research attracts upon case stories and on-line instruments, similar to movies, spreadsheets, and slides in offering a concise risk/return technique.
- Introduces how you can outline and deal with risk
- Uses case stories and on-line instruments to increase and follow credits research and enterprise administration tools
- Surveys "hard" and "soft" information and methods they assist creditors, different financiers, small-business vendors, and marketers spot power difficulties, write optimum enterprise plans, and carry powerful mortgage or /investor geared displays
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Additional info for Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners, and Entrepreneurs
Historical Cost Historical costs are real and once established are fixed for the life of the asset or as long as the asset remains on the company’s books. For example, when a company purchases a building, the purchase price or historical cost is recorded on the company’s balance sheet. However, if that building depreciates in value, the asset is still recorded at the historical cost less depreciation. This accounting practice often results in assets that are carried at significantly off-market prices.
3rd ed. McGraw-Hill; April 14, 2010. Howard Schilit, PhD, CPA, is the founder and CEO of Schilit Forensics, LLC. Schilit is a pioneer in the field of detecting accounting tricks in corporate financial reports that mislead investors. He has been a leading spokesman before the US Congress, the SEC, and global media outlets about the causes and early warning signs of accounting tricks in public filings. 1 46 Navigating the Business Loan as the initial note. After reviewing the disclosure of accounting policies, lenders will generally seek information that may negatively impact borrowers, like contingencies.
It is your credit officer’s job to use his or her judgment and technical skills, along with the lender’s standards for credit analysis, to realize this objective and to ensure your loan request falls within established policy and procedure parameters. For example, reviewing your financial statements may provide your lender with preliminary findings, but that review falls short of assessing the multiplicity of variables that determine your suitability for a loan. It is far more important for a loan officer to master the information necessary to form an opinion than to simply crunch numbers.