How to Project Seasonal Borrowing Needs and Repayment Ability
First, the session will explain the interrelationships among revenue projections, the expenses needed to support seasonal sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. (Rec. 11/9/21)
Recorded: November 9, 2021
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its short-term borrowings based on the financial information available.
First, the session will explain the interrelationships among revenue projections, the expenses needed to support seasonal sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyze underlying assumptions such as profitability, productivity, efficiency, and earnings retention.
Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project monthly balance sheets, income statements, and cash flows over the borrower’s fiscal year and seasonal expansion and contraction.
- Your registration includes:
- A copy of the presentation materials
- Unlimited video replay
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