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Orientation: Portrait
Source of Repayment
Source of Collateral
Background
Analysis
TO ADJUST THE TERMS OF A LOAN, SIMPLY CLICK ON THAT LOAN IN THE LIST ABOVE.
See below for a summary of the key metrics; proposed loans are included in the "Proposed" column.
Calculate the debt service for the "Current Period" below based on: Financial Statement Information (recommended)
Key Metrics Calculation Current Period Proposed
Note: All numbers in this section are expressed ANNUALLY
Businesses
EBITDA: A $259,610 $259,610
Estimated Debt Service: B $10,180 $10,180
Discretionary Cash Flow: A-B $249,430 $249,430
Debt Service Coverage Ratio: A/B #VALUE! #VALUE!
Interest Coverage Ratio: A / Interest #VALUE! #VALUE!
Total Sales (Revenue): $6,039,750 $6,039,750
Gross Profit: $2,466,680 $2,466,680
Gross Profit Margin: #VALUE! #VALUE!
Total Assets: C $1,854,000 $1,854,000
Total Liabilities: D $685,740 $685,740
Total Equity: E=C-D $1,168,260 $1,168,260
Debt to Equity Ratio: D/E #VALUE! #VALUE!
Formula Key
Businesses
Estimated Business Debt Service* = Current Portion of Long Term Debt (prior period) + Interest Paid (current period)
Business Debt Service Coverage Ratio = EBITDA / Estimated Debt Service
Business Interest Coverage Ratio = EBITDA / Interest Expense
Business Debt to Equity Ratio = Total Business Liabilities / Total Business Equity
* Estimated debt service for the period; if the debt structure is specified, we can be more precise.
K-L Fashions, Inc. (Sample)
Compilation Compilation
BLM
10.00 10.00
8.00 8.00
6.00 6.00
4.00 4.00
2.00 2.00
0.00 0.00
1/31/1990
1/31/1991
1/31/1991
1/31/1990
Interest Coverage Ratio* = EBITDA / Interest Expense Senior Debt to Cash Flow* = Senior Debt / EBITDA
10.00 1000.00%
8.00 800.00%
6.00 600.00%
4.00 400.00%
2.00 200.00%
0.00 0.00%
1/31/1991
1/31/1990
1/31/1991
1/31/1990
Debt Service Coverage Ratio* = EBITDA / Debt Service Debt to Capitalization = Total Liabilities / (Total Liabilities + Total Equity)
10.00 $250,000
8.00 $200,000
6.00 $150,000
4.00 $100,000
2.00 $50,000
0.00 $0
1/31/1991
1/31/1991
1/31/1990
1/31/1990
Debt to Cash Flow* = Long Term Liabilities / EBITDA
t
o
B
e
n
K-L Fashions, Inc. (Sample) c
h
m
a
454113 - Mail-Order Houses r
Sageworks Benchmarks 1/31/1990 1/31/1991 k
(35 Financial Statements)
Liquidity Ratios
Current Ratio 3.23 2.27 1.77
###
Quick Ratio 0.69 0.20 0.47
###
Working Capital 557,990.00 470,500.00
Profitability Ratios
Operating Profit Margin 1.27% 8.93% 4.30%
###
Net Profit Margin 1.90% 8.67% 4.13%
###
Return on Equity -0.54% #VALUE! #VALUE!
###
Return on Assets -0.51% #VALUE! #VALUE!
###
$300,000
$250,000
$200,000
$150,000 $259,610
$100,000
$50,000
$10,180
$0
1 2
EBITDA: $259,610
Debt Service: $10,180
$1,200,000
$1,000,000
$800,000
$600,000
$400,000
$200,000
$0
Debt Equity
Debt: $685,740
Equity: $1,168,260
$1,200,000
$1,000,000
$800,000
$600,000
$400,000
$200,000
$0
Current Liabilities
Current Assets