Applied Lending Techniques'?Combines theory with the author?'s experience?Unlike so many concentrates on practice not theory This is a unique evaluation of lending theory based on solid experience. The book stands back from the accepted day-to-day practice of corporate and personal departments and draws on the extensive experience of the author, revealing the benefits of evaluating each case on its own merits. It adopts a practical ?lessons learned? approach. |
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31 December 31 March Acid test acres annum assessment Bankers borrowing bridging loan Budget building capital expenditure cash flow forecast club company's costs Credit given days Credit taken days Current assets Cash Current liabilities Creditors Current ratio David Keen debenture debt debtors Depreciation directors documentary credit expenses facility figures finance floating charge funds future gearing goodwill gross margin guarantee Hire purchase income increase Interest cover land lease lender Lending Techniques looks loss account management accounts Mezzanine debt months to 31 mortgage Net margin Net Present Value Net profit margin operating cash flow overall overdraft limit overtrading partners payment performance Plant and machinery position probably produce PROFIT AND LOSS Profit before tax projections rent repaid repayment requirement restaurant risk security cover selling Share capital Stock turnover days track record trading transaction venture capital house