Are you Calculating a Borrower's Global Cash Flow Correctly?
What are the six questions you must answer to correctly addback an expense to cash flow?
When: Friday, September 21, 2012
Complimentary Small Business Banking News of the Day Talk Show with Bob Coleman and Charles Green: 1:50 p.m. to 2:00 p.m.
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Positive Cash Flow. We all want it in our deals.
But at what point are you getting away from the numbers and being too creative in documenting the all important cash coverage ratios?
Cash flow evaluation is perhaps the most important estimation of a borrower's repayment ability.
This webinar will frame the parameters of the borrower / owner's global financial condition, examining how lenders might improve the predictability of business cash flows,
The goal is to ensure you are looking at the entrepreneur's entire financial condition
Join our expert professional instructor, Charles Green as he leads a discussion that will ensure you and to correctly calculate their global cash flow position to your regulator's and SBA's satisfaction.
You will learn:
• The six questions to decide whether a business expense should be added back to determine true business cash flow
• How to determine appropriate expense "Add backs" to allow when evaluating cash flow
• How to measure the borrower's own recognition of business cash cycles and the timing of cash collections;
• How to adjust projections in recognition of borrower's sales terms and collection record;
• Metrics to monitor cash flow adequacy and trends;
• How to critically evaluate borrower aging reports;
• How to determine critical factors about owner's personal cash flow to impact business;
• How to evaluate if tax reduction strategies impair lender's ability to get repaid;
• How to set limitations of owner compensation and discretionary expenses;
• How to model a global cash flow evaluation of borrower's debt repayment ability taking into account owner's personal cash flow and obligations;
• Why lender should be skeptical of business brokers discretionary cash flow analysis;
• What the SBA says about the priority and methodology of borrower cash flow when underwriting loans;
• What you must do to be considered a "prudent" lender by SBA.
This webinar is rated "INTERMEDIATE" for the attendees.
Coleman's Webinar level of instruction guide:
ELEMENTARY -- The webinar assumes the audience has no experience in the topic.
BASIC -- The webinar is for small business lenders who have some experience in the topic. The webinar is designed as the Topical 101 course. This is the appropriate level of instruction for managers who oversee the function.
INTERMEDIATE -- The webinar solves an unique problem for the small business lending professional. A strong working knowledge of the subject matter is recommended.
EXPERT -- The webinar discusses detailed, technical and advanced topics for the well-seasoned professional. A strong working knowledge of the subject matter is a must.
Who should attend
Commercial Loan Underwriters
SBA Loan Underwriters
Small Business Lending Department Managers
Credit Risk Managers
Chief Credit Officers
NEW, Starting in September
All Coleman Webinar attendees will receive a e-Certificate of Participation.
This is documents your continuing education history for the regulators.
Also, this documents the answer for SBA's Review question of continuing staff education.
ADD to go to meeting verbage.
Please forward the names of and emails of all of those attending the webinar.
We will issue e-certificates of participation at the conclusion of the webinar.
Join our Expert Instructor:
Small Business Financing Expert
Author of the Bestseller "The
SBA Loan Book"
Charles Green began working in his
parent's small business at age 8 and attended many dinner hour "board meetings."
Today he is a recognized small business authority with over 30 years of
advising, financing and investing in entrepreneurs. His experience as a
commercial banker, venture capitalist and advisor yielded clients in more than
30 countries. He founded and served as President/CEO of Sunrise Bank of Atlanta.
Charles has authored several
books and articles about business financing including bestselling The SBA Loan
Book and the just released Get Financing Now
(McGraw-Hill) available January, 2012.
Bob Coleman is the Author of "Money Money Everywhere And
Not a Drop For Main Street". Coleman is the Editor of the Coleman Report, a
trade newsletter for small business bankers. He is the nationally recognized
expert on small business banking. He has appeared on Fox Business News and CNN
and has been quoted by most major financial media outlets including the Wall
Street Journal, New York Times and Bloomberg. He has spoken at numerous small
business banking events across the United States, including international
engagements. Coleman has a B.A. in Medieval History from the University of
California Santa Barbara and a M.B.A. in Real Estate Finance from the University
of Southern California.
About Coleman Webinars
Coleman takes great pride in bringing you the foremost
experts in our industry. Not only our experts chosen with care, we bring you
instructors who are excellent teachers of their craft. Coleman's Webinars
provide 75 minutes of highly specialized information, access to industry
experts, live Q&A, and step-by-step "how-to's" on a variety of topics relevant
to today's small business banker. Coleman hosts five to six webinars a month,
making us the largest producer of webinars for the small business banking
industry in the country. Monthly SBA topical webinars are conducted by John Dunn
and Lisa Lerner, our national professional SBA instructors.
Dunn and Lerner's presentations solve pressing problems facing today's SBA
lending professionals. On the second Tuesday of the month, the author of the
bestselling "The SBA Loan Book" and the just released book, "Get Financing Now,"
Charles Greene presents a program on a topical small business lending
underwriting subject. An SBA loan liquidation themed webinar the third Tuesday
of each month. We rotate the instruction with three of the finest experts in the
country -- Ethan Smith of SBA lender boutique law firm Starfield and Smith, SBA
lender attorney Mitch Fogel, and Kerri Agee, of banc-serv, the president of the
largest SBA loan service provider in the country.
Our SBA University webinars are for small business lending sales personnel who
wish to learn, and refresh, outstanding sales techniques to achieve over-the-top
Finally, we offer a monthly series of topics for bank chief financial officers to
help them with the ever evolving world of loan reporting issues. Our
professional instructors are Bob Judge of Government Loan Solutions and Jon
Winick of Clark Street Capital.
Why a Webinar?
It's very cost effective. No airfare, no hotels. Just cram
as many people as you wish into your conference room and turn on the computer.
You have two options to listen to the program--phone, or through your computer
speakers. You are only charged for the connection. When you purchase unlimited
access, there is no additional charge for multiple attendees. A great benefit of
the program is that you have the ability to ask questions directly of the
panelists. Or, you may simply email Coleman during the program and he will air
your question. All of our webinars are recorded. Buyers of the unlimited site
license option will receive a DVD recording of the event to share with anyone
you wish. A transcript of the program is also provided to purchasers of the
unlimited site license.
How it Works
We use Go-to-Meeting as our platform. You will receive a
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distribute to all of your attendees.
Small Business Banking News of the Day Talk Show
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The Fine Print
1) The single user registration fee of $289 is based on location not attendance.
You may have as many people in one location attend. You many distribute the
materials to anybody in your company.
2) For only $100 more, you may invite as many people from your institution from
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