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Loan Number: Officer: Date Created: 08/07/2008 03:16 PM Name Businesses: K-L Fashions, Inc. (Sample) Source of Repayment
Source of Collateral
Background
Analysis
Existing Financial Institution Relationships
Amount: R at e:
Credit Score N/A
K-L Fashions, Inc. (Sample) Loans / Debt Structure Summary Name
Borrower
Senior Debt
Type
K-L Fashions, Inc. Fixed Principal
Financing
Senior Debt
Balance
$78,000.00
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 service for the "Current Period" below based on: Key Metrics
Calculation
Financial Statement Information (recommended) (recommended) Current Period
Proposed
Note: All numbers in this section are expressed ANNU ALLY Businesses EBITDA: Estimated Debt Service: Discretionary Cash Flow: Debt Service Coverage Ratio: Inte Intere rest st Cov Cover erag age e Rati Ratio: o: Total Sales (Revenue): Gross Profit: Gross Profit Margin: Total Assets: Total Liabilities: Total Equity: Debt to Equity Ratio:
A B A-B A/B A / Int Inter eres estt
C D E=C-D D/E
$259,610 $10,180 $249,430 #VALUE! #VALUE! $6,039,750 $2,466,680 #VALUE! $1,854,000 $685,740 $1,168,260 #VALUE!
$259,610 $10,180 $249,430 #VALUE! #VALUE! $6,039,750 $2,466,680 #VALUE! $1,854,000 $685,740 $1,168,260 #VALUE!
Formula Key Estimated Business Debt Service* Business Debt Service Coverage Ratio Business Interest Coverage Ratio Business Debt to Equity Ratio
Businesses = Current Portion of Long Term Debt (prior period) + Interest Paid (current period) = EBITDA / Estimated Debt Service = EBITDA / Interest Expense = Total Business Liabilities / Total Business Equity
* Estimated debt service for the period; if the debt structure is specified, we can be more precise.
Monthly Payment
$1,196.95
K-L Fashions, Inc. (Sample) Compilation
Income Statement Sales (Income) Cost of Sales (COGS) Gross Profit Depreciation Amortization Overhead or S,G,&A Expense
Compilation BLM
1/31/1990
% Sales
$5,452,010 $3,135,730 $2,316,280 $0 $0 $1,849,100
100% 58% 42% 0% 0% 34%
1/31/1991
% Sales
$6,039,750 $3,573,070 $2,466,680 $0 $0 $2,221,540
100% 59% 41% 0% 0% 37%
Payroll / Wages / Salary
$0
0%
$0
0%
Rent
$0
0%
$0
0%
Advertising
Other Operating Income Other Operating Expenses Operating Profit Interest Expense Other Income Other Expenses EBITDA Net Profit before Taxes Adjusted Owner's Compensation Adjusted Net Profit before Taxes Taxes Paid Extraordinary Gain Extraordinary Loss Net Income
$0
0%
$0
0%
$19,510 $0 $486,690 $13,990 $0 $0 $486,690 $472,700 $0 $472,700 $181,990 $0 $0 $290,710
0% 0% 9% 0% 0% 0% 9% 9% 0% 9% 3% 0% 0% 5%
$14,470 $0 $259,610 $10,180 $0 $0 $259,610 $249,430 $0 $249,430 $102,000 $0 $0 $147,430
0% 0% 4% 0% 0% 0% 4% 4% 0% 4% 2% 0% 0% 2%
Balance Sheet Cash Accounts Receivable Inventory Other Current Assets Total Current Assets Gross Fixed Assets
1/31/1990
%Assets
$82,540 $3,480 $857,090 $54,030 $997,140 $856,070
5% 0% 51% 3% 60% 51%
1/31/1991
%Assets
$272,640 $12,090 $738,630 $54,880 $1,078,240 $1,024,190
15% 1% 40% 3% 58% 55%
Land and Buildings
$383,350
23%
$531,270
29%
Fixtures and Equipment
$411,230
25%
$476,460
26%
Leasehold Improvements
$15,120
1%
$16,460
1%
Construction in Progress
$46,370
3%
$0
0%
$183,890 $672,180 $0 $0 $0 $0 $1,669,320 $244,150 $0 $0 $195,000
11% 40% 0% 0% 0% 0% 100% 15% 0% 0% 12%
$248,430 $775,760 $0 $0 $0 $0 $1,854,000 $377,970 $0 $0 $229,770
13% 42% 0% 0% 0% 0% 10 100% 20% 0% 0% 12%
$2,030
0%
$4,460
0%
$53,020
3%
$70,800
4%
Accumulated Depreciation Net Fixed Assets Gross Intangible Assets Accumulated Amortization Net Intangible Assets Other Assets Total Assets Accounts Payable Short Term Debt Current Portion of Long Term Debt Other Current Liabilities Advance Payment on Orders Income Taxes Payable Other Current Obligations
Total Current Liabilities Notes Payable / Senior Debt Notes Payable / Subordinated Debt Other Long Term Liabilities Long Term Liabilities Total Liabilities Preferred Stock Common Stock Additional Paid-in Capital Other Stock / Equity Less: Treasury Stock
Ending Retained Earnings Total Equity Total Liabilities + Equity Total Assets - (Total Liabilities + Equity)
Statement of Equity Preferred Stock Common Stock Additional Paid-in Capital Other Stock Total Stock Beginning Retained Earnings Net Income Dividends Paid / Withdrawals Other Changes to Retained Earnings Ending Retained Earnings Ending Equity as Calculated Above Actual Equity from Balance Sheet Difference (Unexplained Change in Equity)
$139,950
8%
$154,510
8%
$439,150 $84,130 $0 $0 $84,130 $523,280 $0 $2,010 $307,810 ($38,940)
26% 5% 0% 0% 5% 31% 0% 0% 18% -2%
$607,740 $78,000 $0 $0 $78,000 $685,740 $0 $2,010 $311,360 ($128,920)
33% 4% 0% 0% 4% 37% 0% 0% 17% -7%
($38,940)
-2%
($128,920)
-7%
$875,160 $1,146,040 $1,669,320
52% 69% 100%
$983,810 $1,168,260 $1,854,000
53% 63% 10 100%
$0
0%
$0
0%
01/31/1990
% Assets
01/31/1991
% Assets
$0 $2,010 $307,810 ($38,940) $270,880 $624,400 $290,710 $0 ($39,950) $875,160
0% 0% 18% -2% 16% 37% 17 17% 0% -2% 52%
$0 $2,010 $311,360 ($128,920) $184,450 $875,160 $147,430 $0 ($38,780) $983,810
0% 0% 17% -7% 10% 47% 8% 0% -2% 53%
$1,146,040 $1,146,040
69% 69%
$1,168,260 $1,168,260
63% 63%
$0
0%
$0
0%
Cash Flow Statement Cash Flow from Operations Sales (Income) Cost of Sales (COGS) Gross Profit Depreciation Amortization Overhead or S,G,&A Expenses Other Operating Income Other Operating Expenses Operating Profit Interest Expense Other Income Other Expenses Net Profit before Taxes Taxes Paid Extraordinary Gain Extraordinary Loss Net Income Add Back Depreciation Add Back Amortization Decrease (Increase) in Accounts Receivable Decrease (Increase) in Inventory Decrease (Increase) in Other Current Assets Increase (Decrease) in Accounts Payable Increase (Decrease) in Other Current Liabilities Cash Flow from Operations Cash Flow from Investments Capital Expenditures Decrease (Increase) in Intangible Assets Decrease (Increase) in Other Assets Cash Flow from Investments Cash Flow from Financing Activities Increase (Decrease) in Short Term Debt Increase (Decrease) in Current Long Term Debt Increase (Decrease) in Senior Debt Increase (Decrease) in Subordinated Debt Increase (Decrease) in Other Long Term Liabilities Increase (Decrease) in Preferred Stock Increase (Decrease) in Common Stock Increase (Decrease) in Additional Paidin Capital Increase (Decrease) in Other Stock Dividends Paid / Withdrawals Other Changes to Retained Earnings Cash Flow from Financing Activities Net Free Cash Flow
01/31/1991
$6,039,750 $3,573,070 $2,466,680 $0 $0 $2,221,540 $14,470 $0 $259,610 $10,180 $0 $0 $249,430 $102,000 $0 $0 $147,430 $0 $0 ($8,610) $118,460 ($850) $133,820 $34,770 $425,020
($103,580) $0 $0 ($103,580)
$0 $0 ($6,130) $0 $0 $0 $0 $3,550 ($89,980) $0 ($38,780) ($131,340) $190,100
Beginning Total Cash Ending Total Cash Unexplained Change in Cash on Balance Sheet
$82,540 $272,640 $0
K-L Fashions, Inc. (Sample) Interest Coverage Ratio
Senior Debt to Cash Flow
12.00
12.00
10.00
10.00
8.00
8.00
6.00
6.00
4.00
4.00 2.00
2.00
0.00
0.00 0 9 9 1 / 1 3 / 1
0 9 9 1 / 1 3 / 1
1 9 9 1 / 1 3 / 1
Interest Coverage Ratio* = EBITDA / Interest Expense
1 9 9 1 / 1 3 / 1
Senior Debt to Cash Flow* = Senior Debt / EBITDA
Debt Service Coverage Ratio
Debt to Capitalization
12.00
1200.00%
10.00
1000.00%
8.00
800.00%
6.00
600.00%
4.00
400.00%
2.00
200.00%
0.00
0.00% 0 9 9 1 / 1 3 / 1
1 9 9 1 / 1 3 /
0 9 9 1 / 1 3 /
1
1 9 9 1 / 1 3 /
1
Debt Service Coverage Ratio* = EBITDA / Debt Service
1
Debt to Capitalization = Total Liabilities / (Total Liabilities + Total Equity)
Debt to Cash Flow
Cash
12.00
$300,000
10.00
$250,000
8.00
$200,000
6.00
$150,000
4.00
$100,000
2.00
$50,000
0.00
$0 0 9 9 1 / 1 3 / 1
1 9 9 1 / 1 3 / 1
0 9 9 1 / 1 3 / 1
1 9 9 1 / 1 3 / 1
Debt to Cash Flow* = Long Term Liabilities / EBITDA *These formulas have been scaled to approximate annual statistics.
K-L Fashions, Inc. (Sample) 454113 - Mail-Order Houses Sageworks Benchmarks
1/31/1990
1 /3 1 /1 9 9 1
(35 Financial Statements)
Liquidity Ratios Current Ratio Quick Ratio Working Capital Financial Leverage / Coverage Ratios Debt-to-Equity Ratio Debt Service Debt Service Coverage Ratio Interest Coverage Ratio Senior Debt to Cash Flow Debt to Cash Flow Debt to Capitalization Profitability Ratios Operating Profit Margin N P fi M i
3.23 0.69
2.27 0.20 557,990.00
1.77 0.47 470,500.00
1.22
2.26
0.46 N/A N/A #VALUE! #VALUE! #VALUE! #VALUE!
0.59 $10,180 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
1.27% 1 90%
8.93% 86 %
4.30% 4 13%
K-L Fashions, Inc. (Sample) 454113 - Mail-Order Houses Sageworks Benchmarks
1/31/1990
1 /3 1 /1 9 9 1
(35 Financial Statements)
Liquidity Ratios Current Ratio Quick Ratio Working Capital Financial Leverage / Coverage Ratios Debt-to-Equity Ratio Debt Service Debt Service Coverage Ratio Interest Coverage Ratio Senior Debt to Cash Flow Debt to Cash Flow Debt to Capitalization Profitability Ratios Operating Profit Margin Net Profit Margin Return on Equity Return on Assets
3.23 0.69
2.27 0.20 557,990.00
1.77 0.47 470,500.00
1.22
2.26
0.46 N/A N/A #VALUE! #VALUE! #VALUE! #VALUE!
0.59 $10,180 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
1.27% 1.90% -0.54% -0.51%
8.93% 8.67% #VALUE! #VALUE!
4.30% 4.13% #VALUE! #VALUE!
14.50 Days 37.51 Days 85.23 Days 19.21
#VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE!
Activity / Efficiency Ratios #VALUE! #VALUE! #VALUE! Fixed Asset Turnover
Key Ratios & Graphs Businesses Debt Service Coverage $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
Businesses Debt to Equity $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $0
Debt
E qui ty
Debt: $685,740 Equity: $1,168,260
Business es Current Ratio Ratio $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $0
Current Current Liabil ities Current Current Ass A ssets ets Current Assets: $1,078,240 Current Liabilities: $607,740
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