Financial Statement Analysis


NEW Complimentary eCourse on Balance Sheet Basics!

We are adding the section on Financial Statement Analysis to Lender's Online Training with a complimentary eCourse on Balance Sheet Basics. This joins 4 eCourses on General Analysis Topics, 15 on Tax Return Analysis and

Posted Jun 17 2010 by Linda Keith

Crazy 8: Clues to Credit-worthiness from the Business Balance Sheet

Lending to a business? Lending to a business owner? Either way, you undoubtedly ask for and receive a year-to-date financial statement. Here are eight questions to ask (yourself or your borrower) before you stuff it

Posted May 03 2010 by Linda Keith

Spotting Fraud: Now You See It, Now You Don't

What works on auditors may work on lenders A 2009 study performed by researchers at the University of Massachusetts at Amhurst demonstrated that  auditors are less likely to find manipulated earnings when management directs their

Posted Mar 31 2010 by Linda Keith

How do you create satisfied small business customers? How does that impact bank profits?

SHORT ANSWER in case you cannot read the entire post: Meet with you small business borrowers for a new needs assessment Visit at least 3.3 times each year Understand their business Demonstrate that you understand

Posted Jan 19 2010 by Linda Keith

Five questions to ask in 2010 to make the loan!

I predict the 2009 tax returns will be filed earlier rather than later. Why? The congress has liberalized the rules for carrying back Net Operating Losses. If the business paid taxes in any of the

Posted Jan 05 2010 by Linda Keith

How costs behave: Are you (and your borrowers) smarter than a 1st grader?

In the mood to be inspired? Read on. Not in the mood, scroll to the bottom of the post for some 'cost' definitions and why they are important.If you have not yet presented a Junior

Posted Dec 29 2009 by Linda Keith

Alphabet Soup: 5 Terms Borrowers Won't Recognize

Lender Lingo makes talking amongst ourselves quick and easy. It can lead to confusion with borrowers, though. Confusion in lending agreements is a recipe for disaster! (See how nicely I tied in that soup

Posted Nov 13 2009 by Linda Keith

No-risk, low-cost way to bring my training to you....

Bernanke and Obama may say the economy is in recovery, but your travel (and possibly your training) budget is still in critical care. If you or your lenders are traveling over an hour to get

Posted Sep 26 2009 by Linda Keith

Help your borrower understand operating cycle as an alternative to borrowing

Heck, even if your financial institution has money to lend, you'll be doing your business borrowers a service if you help them see the additional cash they may have tied up in working capital right

Posted May 08 2009 by Linda Keith

Lender's Reasonableness Test: 389 Miles to East

These last two days I have had as much fun as is fair to have while working with 17 lenders to improve their tax return analysis. We had several asset-based seasoned lenders ramping up their

Posted Apr 23 2009 by Linda Keith