Business Loan Proposal To Banks And Its Computation

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Introduction

In order to access to the various banking facilities, it would be better for a business entity to prepare a business loan proposal incorporating the knowledge to identify the type of facilities, the amount, the period of financing, the bank charges, so as to match the business requirement. As such two main factors have to be taken into account by the business entity, they are:

  • How much is the business requirement. (Requirement)
  • What are the appropriate banking facilities available to meet the business requirement. (Financing)

The above two factors should match in order to justify the bank on the business requirement of additional Working Capital (short-term facilities), long-term facilities such Term Loan for purchase of Fixed Assets, and Total Funding Requirement (short-term and long-term facilities), through computation and financial analysis of company’s Balance Sheet and Profit & Loss Account.

How Will You Benefit

Upon completion of this programme, the participants will be able to :

  • Able to compute the quantum of Net Working Capital Requirement (NWCR) of a company in order to meet the short-term and long term financial needs based on projected figures (balance sheet, profit & loss account and cashflow projection).
  • Able to compute the business’s Purchase financing and Sales financing figures based on the above projected figures.
  • Able to compute the Asset Conversion Cycle of a company and Cash requirement based on the projected cash flow projection.
  • Able to prepare full business loan proposal based on the above projected figures of the company and incorporating all aspects of the company.

Who Should Attend

This program is suitable for Financial Controllers, Account Executives, Finance Executives, personnels involved in importing, manufacturing, exporting, shipping, freight forwarding, and trading concerns.

Methodology

The programmes are conducted through interactive classroom lectures on key concepts, demonstration of procedures through visual aids, laptop & LCD projector, sample or real Letters of Credits and other shipping documents, various exercises given to participants to further understand the flow of Letters of Credit and the shipping documents, resolving problematic Letter of Credit, addressing discrepant documents and non-compliance to Letters of Credit.

Module

  • WHAT ARE THE BANKING FACILITIES AVAILABLE?
  • TABULATION OF REQUIREMENT AND SOURCE OF FUNDS OF A COMPANY.
  • HOW TO JUSTIFY THE BANK ON THE REQUIREMENT OF ADDITIONAL WORKING CAPITAL AND ADDITIONAL TERM LOAN TH
  • HOW TO COMPUTE PURCHASE FINANCING AND SALES FINANCING REQUIREMENT FROM THE NWCR FIGURE?
  • HOW TO COMPUTE TOTAL FUNDING REQUIREMENT OF A COMPANY FROM THE BALANCE SHEET OF A COMPANY?
  • PREPARATION OF BUSINESS LOAN PROPOSAL TO BANKS

RM1,300.00 RM850.00

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Duration: 1 Day


Note: In-house course is available. Request it HERE

 Business-Loan-Proposal-To-Banks-And-Its-Computation-hrdf-trainings

Introduction

In order to access to the various banking facilities, it would be better for a business entity to prepare a business loan proposal incorporating the knowledge to identify the type of facilities, the amount, the period of financing, the bank charges, so as to match the business requirement. As such two main factors have to be taken into account by the business entity, they are:

  • How much is the business requirement. (Requirement)
  • What are the appropriate banking facilities available to meet the business requirement. (Financing)

The above two factors should match in order to justify the bank on the business requirement of additional Working Capital (short-term facilities), long-term facilities such Term Loan for purchase of Fixed Assets, and Total Funding Requirement (short-term and long-term facilities), through computation and financial analysis of company’s Balance Sheet and Profit & Loss Account.

How Will You Benefit

Upon completion of this programme, the participants will be able to :

  • Able to compute the quantum of Net Working Capital Requirement (NWCR) of a company in order to meet the short-term and long term financial needs based on projected figures (balance sheet, profit & loss account and cashflow projection).
  • Able to compute the business’s Purchase financing and Sales financing figures based on the above projected figures.
  • Able to compute the Asset Conversion Cycle of a company and Cash requirement based on the projected cash flow projection.
  • Able to prepare full business loan proposal based on the above projected figures of the company and incorporating all aspects of the company.

Who Should Attend

This program is suitable for Financial Controllers, Account Executives, Finance Executives, personnels involved in importing, manufacturing, exporting, shipping, freight forwarding, and trading concerns.

Methodology

The programmes are conducted through interactive classroom lectures on key concepts, demonstration of procedures through visual aids, laptop & LCD projector, sample or real Letters of Credits and other shipping documents, various exercises given to participants to further understand the flow of Letters of Credit and the shipping documents, resolving problematic Letter of Credit, addressing discrepant documents and non-compliance to Letters of Credit.

Module

  • WHAT ARE THE BANKING FACILITIES AVAILABLE?
  • TABULATION OF REQUIREMENT AND SOURCE OF FUNDS OF A COMPANY.
  • HOW TO JUSTIFY THE BANK ON THE REQUIREMENT OF ADDITIONAL WORKING CAPITAL AND ADDITIONAL TERM LOAN TH
  • HOW TO COMPUTE PURCHASE FINANCING AND SALES FINANCING REQUIREMENT FROM THE NWCR FIGURE?
  • HOW TO COMPUTE TOTAL FUNDING REQUIREMENT OF A COMPANY FROM THE BALANCE SHEET OF A COMPANY?
  • PREPARATION OF BUSINESS LOAN PROPOSAL TO BANKS

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Sharifah Mariam Bt Syed Mohamed
Biodata: Puan Sharifah has more than 20 years of experience in the banking industry specialising in letters of credit & international trade finance, business loan processing, credit & financial analysis, and general banking operations.Puan Sharifah regularly conducts and facilitates public and in-house training programmes on Letter of Credit and Trade Finance and Certificate in Shipping – Module 7 – Banking for Shippers. In addition, she attends seminars and conferences pertaining to international trade finance.In addition, Puan Sharifah also conducts various English language courses such as Effective Communication at Workplace, Business and Email Writing and Etiquette, Public Speaking programmes, and Enhance Corporate Image.For 5 years, she was a member of the Johor Bahru Toastmasters Club District 51 where she completed ten projects of communication and leadership programme and was awarded the Competent Toastmastership Award.

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