In ED201, the second course in the EDFP Certification Program™, participants build on the financial analysis and deal structuring techniques learned in ED101 through investigation of advanced methods used to analyze the creditworthiness of operating small businesses.

The credit analysis and underwriting procedures of commercial lenders are tailored to the unique concerns of economic development lenders. In both the in-class and split online/in-class versions of ED201, participants spread and analyze the financial statements of numerous actual companies—manufacturing, service, retail—and use economic development finance programs to structure fixed asset and permanent working capital financing packages.

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Specific topics include:

• Credit Analysis Process
• Evaluating a company’s strengths and weaknesses
• Refining quality indicator and ratio analysis
• Assessing operating needs
• Measuring a company’s ability to digest growth
• Permanent Working Capital Analysis
• Determining a company’s operating cycle
• Measuring PWC needs
• Financing a company’s growth
• Cash Flow Analysis
• Analyzing cash flow management
• Determining debt capacity
• Matching sources and uses of funds
• Identifying fast growth syndrome
• Projections and Deal Structuring
• Balance sheet and profit and loss statement projections
• Evaluating financing options
• Break even analysis
• Structuring fixed asset and PWC financing
• Restructuring financing packages