Articles and updates on receipt and invoice extraction, data processing and automation.
Global cash flow analysis combines a business, its affiliates and the guarantor's personal cash flow into one repayment view. How to calculate it.
Read articleA commercial loan review checklist for banks and credit unions: documents, re-spread cash flow and DSCR, risk rating, covenants and collateral.
Read articleA commercial loan credit memo template lenders actually use: the sections, the financial ratios, the risk write-up, and how analysts assemble it faster.
Read articleHow equipment finance underwriting works: where the app-only threshold sits, what a full package requires, and how to calculate DSCR on a lease.
Read articleA loan covenant breach is a technical default: the borrower fails a term while payments are current. What happens next, from waiver to workout.
Read articleMember business lending rules for credit unions: the NCUA Part 723 definition, the 1.75x net worth MBL cap, and the personal guarantee change.
Read articleA commercial loan annual review re-spreads the latest financials, recalculates DSCR, checks covenants and collateral, and resets the risk rating.
Read articleHow lenders monitor loan covenant compliance: the three covenant types, the financial covenants tested, the compliance certificate, and breaches.
Read articleHow banks assign a credit risk rating to a commercial loan: the Pass to Loss regulatory scale, the factors behind each grade, and how analysts speed it up.
Read articleThe financial ratios lenders calculate in credit analysis: the four ratio categories, the formulas, and the benchmarks that pass or fail a deal.
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