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

Our Programs

Working With Small Businesses At Risk

Working With Non-Traditional Lenders

Understanding And Analyzing Financial Projections

Due Diligence: The Key To Effective Lending

Understanding Small Business Borrowers And What They Need From Their Lender

Repaying Loans: Cashflow, Collateral, And Personal Guarantees

Structuring Commercial Loan Packages

Advanced Business Credit Analysis (Two Days)

Fundamentals Of Credit Analysis And Business Financing (Two Days)

Analyzing Financial Statements II

Analyzing Financial Statements I

Advanced Cashflow Analysis

Analyzing Personal Income Tax Returns and Personal Financial Statements

Analyzing The Tax Returns of Businesses

Small Business Lending Essentials:
A Guide For Branch Managers

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.

Click here for our complete schedule.