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Are you Calculating a Borrower’s Global Cash Flow Correctly?

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Are you Calculating a Borrower’s Global Cash Flow Correctly?

Friday, November 8, 2013
2:00 p.m. to 3:15 p.m. Eastern
Price: $289.00
Sponsored by PCFS 2000
Complimentary Coleman Report Live! News Show with Bob Coleman from 1:50 p.m. to 2:00 p.m. Eastern
Use our “email address only” order form!

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 their interpretation 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:

• Review of “Rule of Thumb” cash flow evaluation and its advantages /disadvantages
• Discussion about Universal Credit Analysis model and its capability of providing more in-depth cash flow information
• How to evaluate corporate tax returns for actual cash flow performance;
• How to evaluate the owners’s personal tax return for actual cash flow performance;
• How to determine critical factors about owner’s personal cash flow to impact business;
• How to model a global cash flow evaluation of borrower’s debt repayment ability taking into account owner’s personal cash flow and obligations;
• Policy considerations each lender should explore about how to treat owner cash flow and its potential to impact business;
• 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.

Who should attend:

Commercial Loan Underwriters
SBA Loan Underwriters
Small Business Lending Department Managers
Credit Risk Managers
Chief Credit Officers

This webinar is rated “INTERMEDIATE” for all 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.

Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for your regulators. Also, this documents the answer for SBA’s Review question of continuing staff education.
We will automatically forward a certificate of participation for those who are registered to attend the webinar via GoToWebinar.
If you have purchased the unlimited site license and would like certificates for all who attend simply forward their names and email addresses to jeanne@colemanreport.com. She will email the certificates to all attendees.

Questions
Questions are encouraged. There are two ways to ask a question. The first is to ask the question via the chat box on the GoToWebinar dashboard. The second way is to send an email to joseph@colemanreport.com.
Also, feel free to ask pre-webinar questions.

Join Coleman’s Expert SBA Instructor:

Charles H. Green
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.

BobColemanNADCOModerated by:
Bob Coleman
Editor
Coleman Report
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 financing. He has appeared on Fox Business News and CNN and has been quoted by all 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 in the U.K. and Germany. Bob 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 is the largest producer of small business banking webinars in the country, all taught by the best experts in our industry.

Not only our instructors chosen with care, they 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.

Every month, the author of the bestselling The SBA Loan Book and Get Financing Now. Charles Greene presents a program on a topical small business lending underwriting subject.

Our monthly SBA loan processing and servicing webinars are conducted by Gina Rodgers, banc-serve’s in house training officer.

We rotate our SBA loan liquidation and servicing webinars with the finest experts in the country.
And Bob Coleman hosts a quarterly C-level, small business lending management webinar.

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 several options to view the program. You may watch on screen, or listen in on your phone.

You can choose to have any many connections nationwide as you wish when you purchase unlimited access for only $100.

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 GoToWebinar as our platform. You will receive a link that will direct you to an Internet site to view the presentation. If you would like to test this process to make sure you will be able to access the link through your system’s firewall, just send an email to joseph@colemanreport.com, and he will walk you through it.

Accessing GoToWebinar
There are two ways to access the webinar. The first is to simply click on the link we will provide when you register.

If you have a firewall issue, or you can’t get the GoToWebinar link to work, don’t panic!

The second way to access the webinar is directly from the GoToWebinar website. You will simply need to input the webinar ID and access code. These will also be provided when you register, and again the day before the webinar when we distribute the handouts.

Note we will open the webinar for attendees to join at 12:00pm ET. This will give each attendee two full hours before the webinar begins to troubleshoot any technical issues. Call (818) 790-4591 if you need assistance.

New! All Coleman Webinar Speakers are seen Live via Video Stream

You will see our speakers live through a video feed. You may customize the size of the speaker and power point presentations by clicking on the webcam button on the GoToWebinar dashboard. You may position the speakers at the top, bottom, right or left hand sides. You may also choose to eliminate the video stream and just view the power point.

Telephone Only Option

You may also choose to listen to the program on your telephone. The phone number will be provided with the handouts.

PDF Handouts

You will receive the pdf handout via email the day before the event. These may be distributed to all of your attendees.

Replay Link

If something comes up and you miss any part of the webinar, or there are technical issues such as a power failure, Internet dropout, fire alarm drills, actual fires or, earthquake (yes that has happened!) simply email joseph@colemanreport.com and he will send you a link you may watch all or part of the webinar at your leisure. There is no charge for this service.

Complimentary Coleman Report Live! News Show with Bob Coleman from 1:50 p.m. to 2:00 p.m. Eastern

Log and dial in ten minutes before each Coleman webinar to hear the “Complimentary Coleman Report Live! News Show” with Bob Coleman.
We do this for two reasons. First, the pre-show confirms you are successfully connected to the webinar. Second, we provide you a synopsis of the current news to help you place what is happening to the small business lending industry in context. Join us for this free feature!

About our Sponsor

PCFSSAMPCFS 2000 is the leading financial technology services vendor providing software solutions to the SBA lending industry. We have been delivering our solutions to this unique lending community since 1986 and our passion for it continues today. Their ever-evolving solutions include SBA Form.Wrx, SBA Loan Manager and SAM (Special Assets Manager), which collectively address all your department’s needs – from the initial prospect inquiry to the loan pay-off and every stage in between. We refer to our products as your “Prospect-to-Pay-Off Solution.”

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 as many locations as you wish. (You also get the reply link and transcript!) We will forward you a link that allows you to sign up as many people as you wish.
3) Substitutions are allowed at no charge.
4) Cancellations receive a 100% credit for any Coleman product.
5) As with all our products, we offer a 100% money back satisfaction guaranty — no questions asked.

Five Easy Ways to Order!

1) Previous customers need only to send an email to joseph@colemanreport.com with “Register” and the date of the webinar in the Subject Line. We will do all the paperwork and charge your credit card on file, or send you a PayPal request.
2) Call Customer Service at 818-790-4591 extension 1
3) Fax the order form to: 818-790-7859
4) Mail the order form to: Coleman Publishing, 607 Foothill Blvd., # 546, La Cañada, CA 91012
5) Order online here

 


Are you Calculating a Borrower’s Global Cash Flow Correctly?



Bob Coleman
Editor, Coleman Report
607 Foothill Blvd # 546
La Cañada, CA 91012
(818) 790-4591
(c) 2013 All Rights Reserved

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