Financial analysis is the analysis of a company or individual's financial statement typically by financial analysts or grantors of credit like commercial, small business, agricultural and consumer lending institutions. This financial analysis chore is more easily undertaken using a centralized system like Web Equity Manager® to save time in the data gathering and financial analysis processes which eliminates the need for "re-keying" financial information for the purpose of performing a financial analysis on a potential borrower.

Financial analysis scribes and academicians, and economics in general, love to hear themselves wax poetic on how financial analysis works with dialogue like, "Financial analysis deals with the cost and benefit flows from the point of view of a firm or individual and traces the investment's monetary effects. Financial analysis is carried out to assess the financial effects of a project, determine the financial efficiency of resource use, assess financial incentives, provide a financial investment plan and debt repayment capacities, assess whether the investment resources are available at the required time, and assess any changes needed in an organization and their management. Financial analysis can also be used for project screening and selection."

Whew! What a mouthful on financial analysis.

Financial analysis in Web Equity Manager® encompasses the use of balance sheets, cash flows, associated income and expense schedules, cash and accrual analysis, enterprise analysis and the use of financial ratios for commercial, small business and agricultural business entities. To this degree, Web Equity Manager® is used for the evaluation of financial statement data, economic & market information and forecasts to produce an assessment of a business entity's past or future operating performance & financial condition.

Financial analysis is a multi-faceted process that allows you to:

• Follow a systematic approach to analyze large credit requests.
• Determine the financial repayment ability of a business.
• Evaluate the financial sensitivity of the operation to fluctuation in interest rates, revenues and expenses.
• Determine the financial liquidity, solvency and collateral position of the business and compare results to industry averages.
• Determine whether the operation is profitable and efficient.
• Identify non-financial factors that affect the management of the operation.

Web Equity Manager® calculates a complete financial analysis on any loan type, from the simplest loan requests to the most complex agricultural and related small business credits utilizing the Farm Financial Standards Ratios and RMA Industry Comparisons. Credit bureau reports can be pulled from within the Web Equity Manager® system and lenders can include that information in their scoring and rating parameters. Web Equity Manager® also provides the Fair, Isaac LiquidCredit® analytic and decisioning service for small business lending, including the industry-leading Small Business Scoring Models^SM (SBSS^SM) functionality so lenders can quickly and confidently process loans up to $250,000 with little or no financial data.

Click on the link below (or call ECI) to schedule a live online demonstration of Web Equity Manager® financial analysis capabilities today.

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