The Credit Desk Cards.
Sixteen printable cards and three spreadsheets for anyone who lends to a business, borrows for one, or is learning how the two meet.
19 FILES · 7 PACKS · FREE WHEN YOU SUBSCRIBE
These are the sheets a desk keeps within reach: the ratios with their formulas, what a loan really costs, how far a covenant can bend, the products and hedges side by side, what to send with a request, and the rules that differ between New Zealand, Australia and the United Kingdom. Every figure on them comes from a composite company, worked through so the sums can be checked.
They come in seven packs, by email. Pick the card you want first and leave an address: the pack arrives in the welcome letter, and from then on one case file every Tuesday morning, New Zealand time. Print them, share them with the footer attached, keep them on the desk.
The Numbers Pack
Twenty-four ratios with their formulas, the three statements tied together line by line, the bridge from EBITDA to the cash that repays a loan, and working capital in days and dollars.
FREE WHEN YOU SUBSCRIBE · 4 FILES
The Numbers Pack comes in the welcome letter, the Credit Ratios Card first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Loan Cost Pack
How loan interest is calculated, with worked sums, and two spreadsheets: the all-in cost of a loan at four levels of use, and the full repayment schedule for equal payments, equal principal or a balloon.
FREE WHEN YOU SUBSCRIBE · 3 FILES
The Loan Cost Pack comes in the welcome letter, How Loan Interest Is Calculated first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Covenant Pack
A spreadsheet that moves revenue, margin and rates and shows the headroom to each covenant you type in, and a card that spells out every acronym in a facility letter.
FREE WHEN YOU SUBSCRIBE · 2 FILES
The Covenant Pack comes in the welcome letter, the Cover Sensitivity Sheet first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Products Pack
Twelve loan facilities, nine hedges and five ways to be paid across a border, each on one page: what it does, who carries the risk, and what usually secures it.
FREE WHEN YOU SUBSCRIBE · 3 FILES
The Products Pack comes in the welcome letter, Business Loan Products at a Glance first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Borrowing Process Pack
What to send with a loan request, every step from term sheet to drawdown with who leads it, and the documents a bank needs to open an account.
FREE WHEN YOU SUBSCRIBE · 3 FILES
The Borrowing Process Pack comes in the welcome letter, the Loan Application Checklist first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Three Markets Pack
Regulators, registers, insolvency regimes, deposit protection, benchmarks and tax in three columns with yours first, and the insolvency processes of all three side by side.
FREE WHEN YOU SUBSCRIBE · 2 FILES
The Three Markets Pack comes in the welcome letter, New Zealand, Australia and the UK Compared first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
The Inside a Bank Pack
A bank's profit and loss and one loan's economics from margin to return on capital, and the capital and liquidity rules a bank is held to, with where New Zealand, Australia and the UK depart from them.
FREE WHEN YOU SUBSCRIBE · 2 FILES
The Inside a Bank Pack comes in the welcome letter, How a Bank Makes Money first. With it, one case file every Tuesday morning, New Zealand time. One press takes you off.
All 19 at once
All sixteen cards in one printable file with a contents page, and the three spreadsheets by address.