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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Financial Statement Analysis, Lender Q&A

When Entity Compensation of Officers does not match 1040 wages

Carmen’s Question: When an entity pays out “compensation of officers,” is that shown as ...

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Financial Statement Analysis, Mortgage Lending, Tax Return Analysis

What is the difference between amortization and depreciation?

Most lenders and credit analysts learn early on to add back depreciation to determine ...

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Complex Borrowers, Financial Statement Analysis, Lender Q&A

Non-Profit Restricted Net Assets: How to factor them into cash flow

Carrie asks: I have a question on a non-profit audited financial statement. Under the ...

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AgLending, Business Lending, Financial Statement Analysis, Lender Q&A

Going Concern: Collateral or not?

Jim asks: A lender is proposing to use ‘going concern’ as the collateral for ...

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Business Lending, Financial Statement Analysis, Tax Return Analysis

Can your Borrower really pay you back?

What is on your list? Business lenders, underwriters and credit analysts consider ability to ...

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