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Lending to Business
Lending to Farmers
Lending to Complex Borrowers
Online Training
Podcast
Blog
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About Linda
Client List
Testimonials
Contact
Subscribe
Category
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Financial Statement Analysis
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...
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29 Dec 2009
Linda Keith, CPA
Comment are off
budgeting
,
Business Budgeting
,
contribution margin
,
Cost accounting
,
fixed costs
,
gross margin
,
variable costs
Alphabet Soup: 5 Terms Borrowers Won't Recognize
Lender Lingo makes talking amongst ourselves quick and easy. It can lead to confusion with...
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13 Nov 2009
Linda Keith, CPA
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DCR
,
Debt Coverage Ratio
,
Debt Service Ratio
,
Debt to Income Ratio
,
DSR
,
DTI
,
Lending terms
,
Line of Credit
,
Loan to Value
,
LOC
,
LTV
If YTD Financial Statement shows improvement can I use it in qualifying cashflow?
Your question:
Can I safely use year-to-date financial statements in my...
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29 Sep 2009
Linda Keith, CPA
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Financial Statement Analysis
,
mt-page
,
Qualifying the borrower
,
YTD Financial Statements
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...
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26 Sep 2009
Linda Keith, CPA
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California
,
financial statement analysis training
,
Local
,
Oregon
,
Tax Return Analysis Training
,
Washington
COGS: Impact of Negative 263A costs
Your question:
Would you...
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19 Jun 2009
Linda Keith, CPA
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Cost of Goods Sold
,
mt-page
,
Negative Section 263A Costs
,
Section 263A Costs
,
Statement of Cashflows
,
Tax Return Analysis
15 Tips to Find Cash in the Balance Sheet: A guide for your business borrowers
If you are a business lender, you may not be able to say 'Yes' to a loan as readily as you...
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29 May 2009
Linda Keith, CPA
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Balance Sheet
,
Cash Flow
,
Cashflow
,
Commercial Lending
,
Loan quality
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...
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08 May 2009
Linda Keith, CPA
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Bank training
,
business lending
,
Credit training
,
Days in Inventory
,
Days in Payables
,
Days in Receivable
,
Financial Statement Analysis
,
Inventory turnover
,
Loan quality
,
Operating Cycle
,
Receivable turnover
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...
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23 Apr 2009
Linda Keith, CPA
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Financial Statement Analysis
,
Loan quality
,
reasonableness test
,
tax return analysis
Three Business Loan Red Flags…or have they changed color?
If you have been in business for a while, you have developed a list of red flags that you watch...
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07 Jan 2009
Linda Keith, CPA
Comment are off
Bank Lending Practices
,
business credit
,
Business debt
,
Business Lending
,
Business Risk
Step 5: Leave out Nonrecurring Income/Expenses
If you are going for HISTORICAL cashflow, you'll include in your numbers nonrecurring income...
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18 Nov 2008
Linda Keith, CPA
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Cashflow
,
Financial Statement Analysis
,
Nonrecurring
,
tax return analysis
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