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…]