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Empowering Small Business

to Repay Debt

The Coming Paradigm Shift from 

Creditor to Debtor in Loan Repayment Solutions

Empowering Small Business to Repay Debt



US Debt Burden

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

Credit Risk Memos for Small Business Debt Repayment

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, 

                 Performance, Reporting

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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Subscribers share their expertise, lessons-learned, best practices, financial tools, and examples. Use your name, company (if preferred), and contact information.

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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.

Image by Hans-Peter Gauster

National Credit Awareness and Resolution Association, Inc.

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