Advanced Cashflow Analysis
Introduction: The question of repaymentability is central to any commercial lending request. In order to be approved for a loan, businesses need to establish their ability to generate enough cashflow to service both existing and proposed debt. This seminar will examine cashflow from a number of different perspectives. Participants in this program will consider conventional cashflow analysis as a basis for loan repayment and also look at other factors and variables that can impact a business’ cashflow such as growth, the mismanagement of operating cycles and the purchase of capital expenditures. During this program, a number of different analysis tools will be utilized, including cashflow statements, financial projections, and permanent working capital analysis.
Case studies will be used throughout this program to demonstrate the ways in which these tools can be utilized to assist lenders in the analysis process.
•Measure a business’ cashflow accurately
•How to utilize cashflow statements properly
•Predicting the ability of a business to service future debt based on the development of projected financial information
•Realizing the importance of changes in Permanent Working Capital and how those changes impact cashflow
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara’s training programs have become known for their ability to foster an informal and participatory environment in which students are empow... View Full Profile