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Coleman Underwriting Guides

Full 25 Volume Set $3,995.00 USD Individual Guide $295.00 USD Buy 2 Get 2 Free $590.00 USD

Coleman's Small Business Loan Underwriting Guides make it easy for you to become an expert in a variety of industries in just a short period of time -- ensuring you can identify well-run businesses and good loan risks using a few key metrics.

You are an expert in the five C's of credit and reading financing statements.

Our guides take you beyond the numbers, to give you the best information you need to make the most well-informed loan decision. View a free preview of Coleman's 2011 Underwriting Guide for General Dentistry Practices.

Each guide averages about 300 pages and is printed in a user-friendly 8 1/2 x 11 format.

Section One -- Industry Overview

Everyone raves about our short, concise industry overview chapters. We focus on off-balance sheet items and statistics that help you complete the loan underwriting analytical process.

In the industry overview chapters we analyze various components of the industry. Special attention is given to trends that affect the balance sheet and profit and loss statement.

Competitive Landscape

Products, Operations & Technology
Sales & Marketing
Finance & Regulation
Regional Issues
Human Resources
Industry Employment Growth
Average Hourly Earnings & Annual Wage Increase
Critical Industry Business Challenges
Business Trends
Industry Opportunities
Industry Growth Forecast
List of Industry Websites
Glossary of Industry Acronyms
Financial Benchmark Information

We draw from a variety of sources to present industry proforma balance sheet and profit and loss statement benchmarks.

Industry Profit and Loss Statement Benchmark averages
Industry Balance Sheet Benchmark averages
Financial Statement Ratio averages
Quick Ratio
Current Ratio
Current Liabilities to Net Worth
Currently Liabilities to Inventory
Total Debt to Net Worth
Fixed Assets to Net Worth
Days Accounts Receivable
Inventory Turnover
Total Assets to Sales
Working Capital to Sales
Accounts Payable to Sales
Pre-Tax Return on Sales
Pre-Tax Return on Assets
Pre-Tax Return on Net Worth
Interest Coverage
EBITDA to Sales
Capital Expenditures to Sales

Section Two -- Loan Underwriter Questions

The positive reviews of our industry overview chapter is exceeded by our exclusive chapter on loan underwriting questions.

We offer suggested questions the loan underwriter may use to drill down to the off financial statement items that are critical for a well-informed loan underwriting decision.

(We also give the answers the underwriter may use to help evaluate the borrower's answers)

The approximately five pages of questions are divided up into the following sections (Here are some of the questions and answers from our Veterinary Services Guide)

1) Conversation Starters Sample Question

Q -- What changes in the US pet population does the company forsee?
A-- Demand for vet services will level in the next decade because an aging US population is less likely to keep pets.

2) Operations, Products and Facilities Sample Question

Q -- Does the practice serve mainly small animals (dogs, cats, birds) or large (horses, food animals)?
A -- Services for dogs and cats provide 75 percent of industry revenue

3) Customers, Marketing, Pricing, Competition, Sample Question

Q -- How large a geographical area does the practice serve? How many clients?
A -- A typical animal hospital with several veterinarians has 5,000 clients.

4) Organization and Management Sample Question

Q -- What is the typical annual turnover among support staff?
A -- Low average pay for support staff in the industry promotes turnover.

5) Financial Analysis Sample Question

Q -- How seasonal is revenue?
A -- Service needs for both companion animals and some farm animals are highly seasonal.

6) Business and Technology Strategies Sample Question

Q -- What are the benefits of a group practice? The drawbacks?
A -- Although the income of traditional sole practitioners has stagnated, the income of veterinarians in group practice has risen because groups can more efficiently use technicians and expensive equipment.

Section Three -- 5 Year Comparable Financial Statement Analysis

These are not your RMA comps. Our statistics are much more robust and are compiled from a diverse variety of sources…not just the self-reported, dated numbers RMA uses.

Our licensed data includes

· Average Sales
· Five year income and expense data, profit and loss averages by number
· Five year income and expense data, profit and loss averages by percent
· Five year balance sheet data by number
· Five year balance sheet data by percent
· Definitions of all financial terms
· Five year sources and uses of funds
· Five year financial ratios

About the Data

Raw data analyzed is sourced from an array of the nation's government and private statistical sources. None of these raw data sources creates the final measures reflected in industry profiles. In total, we access over a billion sourced data points from eighteen million business operations. Historical data and algorithms are used to inform and test projections for non-reporting firms. Data elements are sourced from:

- IRS SOI Corporation Income Tax Returns
- IRS SOI Corporation Tax Book
- IRS SOI 1040 Schedule C Income Tax Returns
- IRS SOI Statistics of Income- Individual Tax Statistics
- US Economic Census of Manufactures
- US Census Economy Overview
- US Census Annual Survey of Manufactures
- US Census Annual Retail Trade Survey
- US Census Annual Wholesale Trade Survey
- US Census Quarterly Financial Reports
- US Census County Business Patterns
- Bureau of Labor Statistics Monthly Employment Reports
- Bureau of Labor Statistics Monthly Unemployment Reports
- Bureau of Labor Statistics Annual Wage Survey
- Bureau of Labor Statistics Industry Productivity Reports
- US Census Wholesale Trade Report
- US Census Quarterly (New Housing) Sales by Price and Financing
- US Census Total Construction Spending
- US Census Retail Trade Report
- US Census Quarterly Services Survey
- Commercial Real Estate Surveys
- InfoGroup, Inc.
- Credit Reporting Agencies
- Business Directories

While 100% firm coverage is desirable for analysis purposes, the greatest value rests in discerning patterns of activity, which are reflected in the large samples used to develop our reports. The overall current coverage of the databases surpasses 13 million active business operations at any point in time.

Section 4 -- Sound Bytes

Loan underwriters tell us the most popular feature of the guide is the sound byte section -- short quotes summarizing what is important for the underwriter.

Quotes are taken from industry experts, usually business valuation appraisers and leading industry professionals.

They offer a recap to help sort though the white noise of all of our information and focus the underwriter's attention of what issues matter the most.

Following are sample sound bytes from various categories

1) Sample Rules of Thumb
"The value of a Veterinary practice is 70 percent of annual sales, including inventory."

2) Sample General Information
"Small animal practices have a limited market. Other types of practices are much more difficult to sell. Rural locations add to the difficulty?"

3) Sample Expert Comments
"Some states now allow non-vets to own vet practices, providing the licensed vet runs the medical practice."

4) Sample Questions
"Check conditional use permits, fee schedule and list of procedures."

5) Sample Business Pricing Tips
"Inventory is usually a 30 day supply."

6) Sample Benchmarks
"Competition in the industry is medium"

7) Sample Statistics
"Average Revenue is $669,000"

8) Sample Cost Structure
"Vet wags should be 23% of fees."

9) Sample Industry Trends
"Fewer young veterinarians want to own practices and many older veterinarians are approaching retirement age. Many smaller or unprofitable practices will close or liquidate."

10) Sample Advantages
"Fewer liability/malpractices costs than other medial professionals."

11) Sample Disadvantages
"Long education time frame, with pay considerably less than dentists, MDs, and other medical professionals."

Section Five -- Select Sales Transactions

To help you accurately value the business for personal financial statement purposes, we include a summary of recent sales, including a handful of recent sale transactions.

This information will assist you in determine if the borrower's assessment of value of the business is rooted in recent transactions, or is simply unrealistic.

Our data is from Pratt's Stats, the leading source of business valuations and business sales transactions.

Section 5 -- Coleman's 5 Year SBA Loan Data

The final source of information is a listing of EVERY SBA 7(a) and 504 loan made in the specific industry for the past five years.

We include:

Borrower Name
Borrower City
Borrower State
Bank Name
Approval Date
Gross Loan Amount
Term

More importantly, we include the status of the loan in one of the following categories

Paid in Full (with date)

Charged off (Date and amount)

Currently on the lender's books

The Coleman Brand

We are the small business banking experts. 100% of the top 25 SBA lenders purchase our products.

Coleman's Customer List (Coleman clients include 100% of the top 25 SBA Lenders)

Bank of America
BB&T Bank
BBVA Compass
BNB Bank
Borrego Springs Bank
Capital Source Bank
Celtic Bank
Center Bank
CIT Small Business Lending
Fidelity Bank
Fifth Third Bank
First Financial Bank
Hana Small Business Lending
Hunington National Bank
JP Morgan Chase Bank
Key Bank
Live Oak Bank
Manufacturers & Traders Trust Bank
Nara Bank
Newtek Business Services
Quadrant Financial
Ridgestone Bank
Seacoast Commerce Bank
Suntrust Bank
TD Commerce Bank
U.S. Bank
Wells Fargo Bank
Wilshire State Bank
Zions Bank

Coleman's Guaranty

Finally rest assured, these guides will help your underwriters improve the quality of their analysis. We offer a 100% satisfaction guaranteed refund policy, no questions asked. Call Joseph Coleman at 626-824-9431.

Coleman Underwriting Guides

Full 25 Volume Set $3,995.00 USD Individual Guide $295.00 USD Buy 2 Get 2 Free $590.00 USD

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Contact Information

Bob Coleman
Publisher
P.O. Box 546
La Cañada, CA 91012
(818) 790-4591

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