BDLV, INC. Nonprofit Seminar November 16, 2013. 1 Financial Analysis Quantitative and Qualitative Key Factors: - Operating Performance (Income Statement)

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Presentation transcript:

BDLV, INC. Nonprofit Seminar November 16, 2013

1 Financial Analysis Quantitative and Qualitative Key Factors: - Operating Performance (Income Statement) - Financial Resources (Balance Sheet) - Debt Capacity - Market Position - Strategy and Management - Historical demographics (i.e., enrollment, tuition history, etc.)

2 Quantitative Analysis 3-5 Years Audited Financial Statements Operating Performance - Historical and Proforma - Cash Flow Sufficient to Cover Future Debt Service Payments Financial Resources - Investment Portfolio - Capital Campaign Collateral considerations, if any

3 Sources of Repayment Primary – Cash Flow From Operations Secondary – Liquidation of Cash and Investments Other – Sale of Property, other assets

4 Financial Covenants Debt Service Coverage Ratio - Cash Flow (EBIDA) - Debt Service Unrestricted Cash and Investments to Debt Ratio - Liquidity to Debt - Steps up Over Time - Goal = 1.0: 1.0 Coverage of Debt Other - Negative Pledge on Assets - No Additional Debt, Bank willing to discuss carve out provisions - Cross Default With Other Debt

5 Contact Me:  Lovetta Spencer, Partner

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