AgLending, Business Lending, Financial Statement Analysis, Tax Return Analysis

Should You Include Non-Operating Income in EBITDA?

David asks: Should EBITDA include non-operating income and expenses or not? I have received ...

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AgLending, Business Lending, Lender Q&A, Tax Return Analysis

Lender Depreciation Add-Back? It depends on where you find it

Catherine’s question: What is the depreciation figure on the 1065 Schedule M-1, Line 4a ...

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AgLending, Business Lending, Lender Q&A

Do I use OBI or NIPB in Global Cash Flow?

Jennifer’s question: Hi Linda, I had my first conflict on Operating Business Income (OBI) ...

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AgLending, Business Lending, Complex Borrowers, Lender Q&A, Qualifying the borrower

Is your borrower’s business a hobby?

You may wonder why you should care if an individual, either your borrower or ...

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AgLending, Business Lending, Complex Borrowers, Credit Risk Readiness, Economy impact on business and lending, Qualifying the borrower

Increasing credit risk in banking as economy hums along

The article by Tyler Mondres in the ABA Journal is titled ‘Rosy Economic Picture ...

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AgLending, Business Lending, Complex Borrowers, Lender Q&A, Mortgage Lending, Personal Lending, Qualifying the borrower, Tax Return Analysis

Schedule B Interest: Pass-through or Cash Flow?

Patrick’s question: In your manual, Tax Return Analysis: Fundamentals and 1040, you state that ...

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