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Welcome!
Empowering Small Business
to Repay Debt
The Coming Paradigm Shift from
Creditor to Debtor in Loan Repayment Solutions
Ever increasing debt and stress levels for individuals, families, and small businesses will become increasingly acute.
Seasons of Default and Restructuring
Debt levels are becoming increasingly unsustainable
Paradigm Shift from Creditor to Debtor
You must have your say as to what is appropriate in terms of your ability to repay
Debtor-Proposed Repayment Solutions
Debtors simply cannot, or should not, rely on creditors to give them the necessary time and attention
Understanding Credit Risk Terminology, Underwriting Standards and Guidelines
Debtors will understand credit risk, use financial tools, and better negotiate a win-win
Debtor-Prepared Pro Forma Cash Flow Statements
A debtor-prepared pro forma cash flow statement is the bridge for repayment; it’s all about the cash position
Lenders Are to Prudently Work with Debtors
Creditors need your assistance; a cooperative win-win relationship is being prudent – even if the numbers
are bad
Determining Debtor Needs; Offering Best Practices
NCARA listens to small business by asking directly: “What’s important to you, and why?”
Debtors Taking the Lead During Economic Downturns and Beyond
NCARA expects debtors to repay their obligations in full, but on terms they propose as being acceptable and appropriate
Credit Risk Memos (CRM's)
for Small Business Debt Repayment
Credit Awareness Tools & Insights
CRM #1 : Abundance of Caution
CRM #2 : Accrual, Nonaccrual
CRM #3 : Annual Term Loan Reviews
CRM #4 : Appraisals, Evaluations
CRM #5 : Bankruptcy
CRM #6 : Borrowing Cause, Loan Purpose
CRM #7 : Borrowing Entity, Ownership
CRM #8 : Cash Flow Analysis
CRM #9 : Cash Flow Analysis: Global
CRM #10: Cash Flow Analysis: Pro Forma
CRM #11: Collateral
CRM #12: Contingent Liabilities
CRM #13: Covenants: Financial,
CRM #14: Credit Presentations
CRM #15: Documentation
CRM #16: Environmental Risk
CRM #17: Financial Statements, Tax Returns: Analysis
CRM #18: Financial Statements: Interim, Stale
CRM #19: Financial Statements, Tax Returns: Requirements
CRM #20: Foreclosure
CRM #21: Guarantors
CRM #22: Industry and Business Risk Analysis
CRM #23: Inspections, Field Visits
CRM #24: Insurance: Title, Hazard, Flood, General Liability
CRM #25: Loan Structuring
CRM #26: Loan Types
CRM #27: Loan-to-Value (LTV): Minimum, Maximum
CRM #28: Management (Debtor)
CRM #29: Other Real Estate Owned (OREO)
CRM #30: Pricing: Interest Rates, Fees
CRM #31: Problem Loan Administration
CRM #32: Ratios: Financial
CRM #33: Refinance Risk
CRM #34: Renewals, Refinancing, Extensions, Modifications, Forbearance
CRM #35: Repayment sources: Primary, Secondary, Tertiary
CRM #36: Restructured “A” and “B” Notes
CRM #37: Risk Ratings, Loan Grades
CRM #38: Troubled Debt Restructured (TDR)
Small Business
What is Important to You and Why?
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Contributor
Responses
Subscribers share their expertise, lessons-learned, best practices, financial tools, and examples. Use your name, company (if preferred), and contact information.
Please state an important topic, and why this is important to you. NCARA and its contributors will use your response in creating new CRMs and responses.
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