SOFTWARE
Global Cash Flow Analysis
Meaningful credit decisions often require more than analyzing a single business or individual tax return. Global Cash Flow Analysis combines personal and business cash flows, existing debt, and proposed debt into a single comprehensive view of repayment capacity and credit risk.
Start with Smart. Lend with Confidence.
Borrowers Don’t Operate Through a Single Entity
Business owners often have interests in multiple companies, investments, and other income-producing activities. Evaluating only one business or one individual tax return may not provide a complete picture of a borrower’s financial strength.
Global Cash Flow Analysis helps lenders understand the entire borrowing relationship by combining the cash flow and debt obligations of individuals and related business entities into a single analysis. The result is a more comprehensive view of repayment capacity, financial strength, and credit risk.
Flexible for Complex Relationships
Borrower relationships are rarely one-size-fits-all. Global Cash Flow Analysis provides the flexibility to combine multiple individuals and business entities in whatever manner best reflects the borrowing relationship being evaluated.
Create and save multiple global cash flow scenarios, compare different ownership structures, and maintain a clear view of repayment capacity across the entire relationship. Whether analyzing a single owner with multiple businesses or multiple owners with shared interests, Global Cash Flow Analysis helps lenders evaluate complex relationships with greater confidence.
Combine Individuals & Businesses
Combine personal cash flow with partnerships, S corporations, C corporations, and other related business entities in a single analysis.
Customize Ownership Percentages
Allocate cash flow and debt based on actual ownership percentages to accurately reflect each borrower’s financial interest.
Global Debt Service Ratios
Automatically calculate global debt service and debt coverage ratios using both existing debt and proposed debt.
Analyze the Entire Borrowing Relationship
Global Cash Flow Analysis combines the cash flow, existing debt, and proposed debt of individuals and related business entities into a single comprehensive analysis. By evaluating the complete borrowing relationship, lenders gain a clearer understanding of repayment capacity, financial strength, and credit risk.