How Much is a Good Manager Worth?

How much is a good business manager worth? As you analyze commercial business credits you likely wrestle with this question often. The longer you work with businesses you can pick out the good managers versus the bad ones. But, how is this measured? The cash drivers report in FINPACK’s commercial analysis tackles this question.

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FINPACK C & I Business Analysis

How to use FINPACK Loan CalculatorAnalyzing a commercial business can be tricky. Commercial businesses can be very different from each other even if they sell the same product. In addition, if you are unfamiliar with the particular industry, how do you measure management’s performance? The latest release of FINPACK has an overhauled C & I Analysis that helps you better analyze your commercial credits, as well as management’s ability.

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Using the UCA Cash Flow for Commercial Analysis

UCA Cash FlowAnalyzing a commercial credit can be challenging. Figuring out how a business is doing when you don’t have a good comparison or even figuring out if the core of the business is providing for the other pieces can make it difficult for you to understand how to analyze the business or structure the loan. Fortunately, FINPACK includes a report in the C & I Business Analysis tool that can be used to help you identify where the cash is being used in the business.

The Uniform Credit Analysis, or UCA Cash Flow, is designed to help you identify where the business’s cash is going and how it is being used. Is it being used to purchase additional inventory or is it being used to purchase equipment? [Read more…]

Which Commercial Analysis Tool is Right?

Which Commercial Analysis Tool is Right?When analyzing a commercial customer in FINPACK there are several tools available.  Deciding which tool best fits the analysis needed is important to get the optimal information, in order to reduce risk in the customer credit decision.  The type of business and customer information available will drive the commercial analysis tool used. [Read more…]