SBA: Projecting Cash Flow - Best Practices and Evaluation Techniques

Wednesday, Apr 12, 2017 at 10:00AM - 1:00PM

Event Details

This training program will help attendees recognize the risks of failing to thoroughly vet the information received from a business loan applicant that project future revenues, profits and cash flows. Attendees will also learn to track cash through a business operation, dissect the cash cycle of the operation and comply with SBA standards concerning expected cash flow attributes of loan applicants.

Objectives of The Presentation
  • Recognize the risks of failing to thoroughly vet the information received from a business loan applicant that project future revenues, profits and cash flows
  • Identify the principal components that provide essential information needed to determine the viability of the operating forecasts, which play a vital role in loan decisions
  • Track cash through a business operation and dissect the cash cycle of the operation, separate from the flat numbers typically offered by applicants
  • Understand the role of financial projections in loan decisions and the environmental factors that can affect the validity of the numbers
  • Comply with SBA standards concerning expected cash flow attributes of loan applicants
Why should you Attend
This webinar will provide useful information to SBA lenders about the analysis of revenue and cash flow projections of loan applicants consistent with the SBA SOP. It will review the important components lenders should be aware of when reviewing client forecasts.

The discussion will teach lenders about some unfortunate consequences that can occur when the lender does not use all of the information at hand and offers some common sense context around which lenders should evaluate the financial information provided to support a business loan application.

Areas Covered
  • Brief case study of Banco Popular’s outcome when failing to use information on hand to test cash flow projections prepared by a third-party loan originator for several loans to same franchise
  • A review discussion about how cash flows through a business and the importance of identifying the ‘cash cycle’ ahead of reviewing the financial projections
  • Best practices to break down the applicant’s projection numbers and systematically review them line-by-line to look for flaws or reasoning gaps that can distort results
  • Identification of some practical axioms applicable to financial forecasts that will strengthen the context of the numbers for the reviewer
  • Suggestions on tools lenders can create and use to accelerate the development of deeper analysis of financial projections
  • How to deal with inadequate models that do not add up and a dose of scepticism that should be applied when a third-party is involved in developing the information lenders review
  • SBA’s view and policy on the importance of cash flow projections and the lender’s responsibility to analyze the applicant’s ability to repay the proposed financing
Who will Benefit
  • Loan Officers
  • BDOs
  • Relationship Managers
  • Credit Analysts
  • Loan Underwriters
  • Loan Processors
  • Chief Credit Officers (CCOs)
  • Senior Loan Officers (SLOs) & Loan committee members and other direct lending staff.

For Registration


Note: Use Promo code DE5YU and get 10% off on registration (Valid till APRIL 30th 2017)

Organization Details

Online Compliance Panel (OCP) creates and delivers comprehensive industry relevant training sessions. These sessions are simple, interactive and cost effective. We are a predominantly web based information exchange forum. Live interactions on compliance training make the process holistic and effective. OCP largely emphasizes in offering regulatory compliance training to compliance professionals on varied topics. These primarily include risk management, quality management, corporate compliance and other regulatory compliances. Some of our primary areas of focus include advancement and updates in regulatory compliance, best practices and market trends.

We strive to incorporate high standards in developing a culture facilitating exchange of ideas resulting in functional excellence. OCP believes in nurturing ideas and thought processes through innovative e-learning methodologies. Our products and services are designed to offer customized solutions to industry and market. We bridge the gap between experience and knowledge thus delivering original and creative content.

Our objectives of employing interactive mediums ensure effective communication and mutual exchange of ideas. OCP closely follows best practices and regulatory trends in the global compliance scenario. We also observe and communicate trends witnessed in FDA, ISO regulations, process and design validation. All updates and additions to important laws can be accessed by our customers in real time.

Our mission is to empower compliance professionals through effective online training sessions. Our world class training methodologies stem from comprehensive understanding of client requirements. The content conforming to FDA and ISO standards is developed by well qualified and experienced industry leaders. Our offerings will exceed expectations and add value to your investment.

The content in various categories such as medical devices, pharmaceuticals and biotechnology will raise the bar in terms of quality already on offer .We hope to contribute to the creation of responsible organizations creating benchmarks in quality, integrity and transparency.

Online Event
38780 Tyson Lane, Apt 210
Fremont 94536

Starts April 12, 2017 at 10:00AM - 1:00PM

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Contact Information

Organization: Online Compliance Panel LLC

Event Contact: OCP Panel

Phone: 15108575896