Repaying Loans

Before approving any business loan request, a lender should be convinced of the business applicant’s ability (through cashflow) to service debt. If a business is not successful in generating enough cashflow to do this, 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.

Covered Topics

  • Cashflow: What it is and how to measure it
  • Global Cashflow: When it can prove to be a useful tool
  • 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
  • Collateral Coverage
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The cost of subscription is determined by the asset size of your institution. In the case of holding companies or banks under common ownership, the aggregate asset size of participating banks determine the subscription tier.
   Non-bank or < 499M - $125 per month   
   $500M - 999M - $250 per month   
   $1 - 5B - $425 per month   
   $5 - 10B - $600 per month   
   > 10B - $850 per month