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Beacon FinTrain

Provides an array of professional business and financial training services that stem from improving a corporate's treasury workflow —all the way to efficient, finance training programs.

Course Overview

The "Deal Structure (Lending Rationale)" course delves into the intricacies of structuring lending deals, focusing on identifying lending rationales and understanding their factors. Participants will explore various types of lending rationales, such as asset conversion lending and cash flow lending, and grasp the concept of subordination.

Learning Outcome

Identify the lending rational steps approach

Discuss the Lending Rationales Identification Factors

Understand the different types of lending rational

Discover the concept of the subordination

Course Outline

  • What is the lending rational steps approach

  • Source of cash used to repay a bank loan (Tenor Matching Concepts)
  • Specific financing need causes the nature of the risk
  • what is the loan process

  • Asset Conversation Lending
  • ACC Lending Characteristics
  • What is the Cash Conversion Cycle
  • What are the Types of Seasonal Situations
  • Types of Seasonal Situations
  • Seasonal Cycle Characteristics
  • Seasonal Cycle Risk
  • Seasonal and Permanent Working Investment
  • Relationship of WI to Sales
  • Seasonal WI Needs
  • Protection Against Loss in ACC Lending
  • What is the Working Capital Adequacy
  • ACC Lending Term Sheet
  • What is Asset Protection Lending
  • Characteristics of the Asset Protection Loan
  • What is Cash Flow Lending
  • Cash Flow Lending Characteristics

  • What is Subordination?
  • Concept of Subordination

Who Should Attend

professionals in the financial sector, including bankers=loan officers=credit analysts, =financial advisors, seeking to enhance their understanding of deal structuring in lending and sharpen their skills in identifying lending rationales.