NOTE: Course login details are normally sent to registrants within one week from date of registration.
EL22230501
This Retail, Restaurant, & Franchise Lending course examines the details necessary for assessing a loan for retail companies, restaurants, and franchise businesses. These businesses differ from traditional commercial borrowers and other supply chain companies.
Unlike wholesalers or manufacturers, retailers and restaurants generally require high rent and occupancy costs to succeed, among other factors. This course will show you how to identify these factors and adjust for them to enable you to assess a loan for these prospective borrowers. At the end of this course, we will examine a case study using a real-world scenario.
LEARNING OBJECTIVES:
Upon completing this course, you will be able to:
- Compare retail trade and food-service businesses to more traditional commercial banking clients across other parts of the supply chain
- Identify important characteristics that inform the level of credit risk associated with any given operator
- Explain what makes food-service businesses unique as well as how franchise brands can help mitigate some industry risk
- Calculate adjusted lending ratios and interpret the differences between these and more traditional credit metrics
CPD- 3 Hours