Repaying Loans: Cashflow, Collateral, And Personal Guarantees

 Before approving any business loan request, a lender should be convinced that a business has the ability to repay debt based on its cashflow.  If a business is not successful however, a lender may need to rely on either personal guarantees or the security pledged as collateral in order to be repaid.  This program will explore these three means of getting repaid and identify the challenges that lenders face in each scenario.

Sample Topics
• Cashflow: What it is and how to measure it
• Sources of Hidden Cashflow
• Collateral: How to quantify it? How much is it really worth?
• Personal Financial Statements: What They Tell Us (and don’t tell us) about a borrower
• Personal Guarantees: When they are useful and how to leverage them

Recommended Audience
• Credit Analysts
• Loan Officers
• Branch Managers
• Loan Committee members

DiCAra UpComing Events

DiCara Training and Consulting has earned the reputation of being a leader in training and consulting services. Our primary customers are community lenders in the banking, credit union, and economic development sectors.

With our extensive experience in the financial services industry, DiCara TC knows what it takes to effectively develop and increase financial management skills. The real world experience of DiCara's financial experts provides an unsurpassed learning opportunity. With experience as commercial lenders, entrepreneurial business owners and business consultants, our perspective brings each subject matter alive by using real-life examples. Our teaching style also creates a relaxed environment that fosters interactive participation and empowers students to take control of their own learning.

Contact us today for more information.

Click here for our complete schedule.