PowerPoint Presentation (PDF) - Associated Builders and Contractors

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Financial Analysis & Benchmarking –How do you stack up?Take Away – You should understand the criteria that banks andunderwriters are using to evaluate your creditworthiness;proactively manage the results whenever possibleConsiderations:• Importance of quality and timely financial information• Benchmark your company against others in the industry• Structure financing and lease agreements to maximize workingcapital and liquidity• Retain capital ‐ manage distributions, tax methods• Consult regularly with your CPA, banker and other advisors
COLLATERAL & SECURITYCollateral has a direct correlation to capacity.Provides security to the lenderExamples:• Pledge business assets – equipment, receivables, inventory, lifeinsurance, etc• Mortgage• Personal or non‐business assets• Guarantees – personal or related‐party business
Page 1 and 2: SMALL AND EMERGING CONTRACTORSWEBIN
Page 3 and 4: OVERVIEW -LOAN TYPES AND• Long‐
Page 5 and 6: Equipment FinancingEquipment and Ve
Page 7 and 8: Lines of Credit ‐ OperatingOperat
Page 9 and 10: CASH FLOW BUDGETINGAND MANAGEMENT
Page 11 and 12: ILLUSTRATION -CASH FLOW PROJECTION
Page 13 and 14: CASH FLOW PROJECTION ‐ ACTIVITYCu
Page 15 and 16: CASH FLOW PROJECTION ‐ ASSUMPTION
Page 17 and 18: CASH IS KING:CASH FLOW MANAGEMENTJo
Page 19 and 20: CASH IS KING:CASH FLOW MANAGEMENTEq
Page 21 and 22: Small Business Administration (SBA)
Page 23 and 24: SBA Loans ‐ OverviewAdvantages:
Page 25 and 26: CAPACITYCapacity represents the bus
Page 27: Financial Analysis & Benchmarking -
Page 31 and 32: CAPITALCapital represents the owner
Page 33 and 34: CharacterTrustworthiness: Aside fro
Page 35 and 36: Banking RelationshipChoosing the
Page 37 and 38: DEPOSIT ACCOUNTSOverview of cash co
Page 40: QuestionsContact Informationwww.cli

PowerPoint Presentation (PDF) - Associated Builders and Contractors

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