PowerPoint Presentation (PDF) - Associated Builders and Contractors

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COLLATERAL & SECURITYCommonly Discounted or Disregarded Assets:• Receivables/advances from owners or related parties• Non‐current receivables – 60/90+ days outstanding• Bonded receivables• Underbillings• IntangiblesEquipment Valuation – Maximizing Borrowing Capacity:• Equipment – lives and methods; salvage value• Consider desktop appraisal• Lender philosophy
CAPITALCapital represents the owner’s investment in thebusinessOwners must have significant personal and financial investment in thebusiness before a lender will consider a business loanExamples:• Net worth and Equity• Subordinated loans to the company
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 and 28: Financial Analysis & Benchmarking -
Page 29: COLLATERAL & SECURITYCollateral has
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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