In order to undertake effective analysis, you need to understand how information is produced and how the data is calculated. Financial Ratios highlight trends. They are intended to act as a prompt to remind you to ask questions and investigate these trends, particularly ones that are unusual or unexplained. Ratio analysis must therefore form the basis of your analysis from which you would seek clarification from the customer and/or other data.
The Cash conversion and working investment calculator is a tool that assists with the understanding of the company's liquidity. This forms the fundamentals of the cash flow and ability for the customer to service and repay their borrowings. It also assists management with the levers they need to pull in the business to build up servicing capacity.
Instructions for Deal Questionnaire templates
For more convenience and to minimise use of paper and printing you can download each of the questionnaires and email them across to your brokers as pdfs.
The fields in the pdfs are editable for the broker/customer to complete and in turn they can email the completed questionnaire back to their banker.