Home
Procedures
Working With Financial Analysis Spreadsheets
This section is provided help while working with the financial spreadsheets for the Financial Analysis and Authorization screen.
Business Valuation Tab 2

Procedures
- New Loan Workflow
- Adding a Loan Party
- Adding an Individual Party
- Adding an Entity Party
- Adding a Sole Proprietorship Party
- Adding a Related Party
- Using Nested Entities
- Working with Loans
- Quick Quotes
  This procedure explains how to create a quick quote.
- Working With Financial Analysis Spreadsheets
  This section is provided help while working with the financial spreadsheets for the Financial Analysis and Authorization screen.
  - Opening the Financial Analysis Spreadsheet
    This section is provided help opening the financial analysis spreadsheets.
  - Importing a Financial Analysis Spreadsheet
  - Spread Setup
    The Spread Setup spreadsheet allows you to enter information for each period that you plan to enter financial information
  - Balance Sheet – Historical
    Use the Balance Sheet spreadsheet to enter the applicant's historical balance sheet information.
  - Balance Sheet - Pro Forma
    The Balance Sheet - Pro Forma tab is provided to compile the information from the Lender's Guaranty page.
  - Profit and Loss – Historical
    The Profit and Loss - Historical spreadsheet is provided to enter the three-year Historical P&L information and the interim information.
  - Profit and Loss - Pro Forma
    The Balance Sheet - Pro Forma tab is provided to compile the information from the Lender's Guaranty page.
  - Sales Schedule
  - COGS Schedule
  - Other Expense Schedule – Historical
  - Other Expense Schedule – Projections
  - Executive Summary
  - Financial Ratios
  - Net Worth Reconciliation
  - UCA Cash Flow
  - Business Valuation Tab 1
  - Business Valuation Tab 2
  - Monthly Profit and Loss
  - Monthly Cash Flow
  - Accts Receivable/ Pay Aging
    The purpose of the Accts Receivable/ Pay Aging form is to provide an exhibit to detail the age of the borrower's accounts receivable and accounts payable.
  - Statement of Financial Need
    This spreadsheet provides lenders in SBA Region 4 with the required SBA form for detailing the sources and uses of funds for startup businesses that are applying for a SBA loan.
  - Bal Sheet – Hist – Affiliate 1-20
  - P&L-Hist-Affiliate 1-20
  - Executive Summary - Affiliate 1-20
  - Personal Cash Flow - Principal 1-10
  - Global Cash Flow
  - Debt Summary
    The Debt Summary is used to provide one location to input all of the borrower's debts.
  - Collateral Summary
    The Collateral Summary is used to provide one location to input all of the borrower's collateral.
  - Income Statement
    Information entered into the Income Statement tab is used in the Credit Memo.
  - Credit Memo
    The Credit Memo tab contains the SBA Loan Report, allowing you to print the report when required.
  - Disbursement Schedule
    The purpose of this form is to help keep track of disbursements.
- Importing Loans
  Data must first be in an XML format that conforms to our Import schema, which can be found on our Software support web site.
- Importing Transaction Data
- Exporting Transaction Data
- Updating TSoftPlus
- Creating Submitting a Loan from TSoftPlus to ETran
  add short description here

Business Valuation Tab 2

Note the following:

The Adjusted Historical year values populate from the Spread Setup tab.
Net Worth - populates from the Balance Sheet – Pro Forma tab

The following items are editable:

Adjusted Historical Earnings
- Net Income
- Add: Seller Salaries, Draws, Prerequisites
- Deduct: Seller Salaries, Draws, Prerequisites
- Weight
- Fair Return on Net Worth
- Capitalization of Excess
- Adjust for Seller Loan to Business
Discounted Future Earnings
- Growth Rate
- Discount Rate
Purchase of Years Excess Earnings
- Number of Years

The following items are system generated:

Adjusted Historical Earnings
- Total
- Adjusted Earnings
- Weighted Value
- Weighted Average
- Adjusted Net Worth
- Expected Return on Net Worth
- Weighted Average Earnings
- Less Expected Return on Net Worth
- Excess Earnings
- Value of Excess Earnings
- Plus: Net Worth
- Value of Business
Discounted Future Earnings
- Earnings
- Percent Growth
- Adjusted Earnings
- Discount
- Present Value
- Value of Discounted Future Earnings
Capitalization of Latest Year Adjusted Earnings
- Latest Year Adjusted Earnings
- Capitalized at Risk Rate
- Capitalized Latest Year Adjusted Earnings
Purchase of Years Excess Earnings
- Excess Earnings
- Value of Earnings
- Net Worth
- Total