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Procedures
Working With Financial Analysis Spreadsheets
This section is provided help while working with the financial spreadsheets for the Financial Analysis and Authorization screen.
Monthly Profit and Loss

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

Monthly Profit and Loss

This spreadsheet allows you to spread the Proforma Year 1 annual profit and loss over a monthly basis.

The Interest Expense: SBA Loan value is populated from the Amortization Schedule. It is the interest paid for each period of periods 1 through 12.
Date - defaults with today's date shown in "Month-Year" format.

Note:

If the dates do not come over properly, then you need to install the Analysis ToolPak. This can be installed in Excel by selecting Tools # Add-Ins and selecting Analysis ToolPak. Click OK to confirm and install.

If the transaction is a 504 loan, the following 2 new rows will be created with the corresponding defaults
- Interest Expense: Priv Lender: populates from the TSoftPlus Amortization Schedule in the Private Lender screen. It is the interest paid for each period of periods 1 through 12. This cannot be edited.
- Interest Expense: SBA Loan: populates from the TSoftPlus Amortization Schedule in the Debenture Pricing screen. It is the interest paid for each period of periods 1 through 12. This cannot be edited.

The following items are editable:

Date
Cash Sales
Credit Sales
Less: Returns & Allowances
Cost of Goods Sold
Compensation: Officer Salaries
Salaries and Compensation
Payroll Taxes
Repairs & Maintenance
Bad Debts
Rent Taxes & Licenses
Depreciation & Amortization
Advertising & Selling Expenses
Pension, Profit Sharing, Etc. Plans
Employee Benefit Programs
Other (7 rows)
Interest & Dividends
Other Income
Interest Expense (2 rows)
Income Taxes
Withdrawals/Dividends

The following items are system generated:

Total Sales
Net Sales
Gross Profit
Total Salaries & Comp.
Total Other Operating Exp.
Total Operating Exp.
Total Operating Profit (Loss)
Total Other Income
Total Interest Expense
Net Other Income (Expense)
Earnings (Loss) Before Taxes
Profit (Loss) After Taxes
Click here for AutoSpread button
- Provides the ability to spread the Pro Forma Year 1 profit and loss amounts. This does not spread the Interest Expense, as this is already spread when the Payment was computed.
- Data may be edited at any time after the AutoSpread button is pressed.