Financial Spreads and Projections

Historical Financial Spread Sheets
Customer Information
Name Transport Clearings East, Inc
Date
Loan Officer
Branch
Years
Opinion
Year
Sales
CoGS
Gross Profit
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Operating expenses
Depreciation
Owner's compensation
Bad Debt
Rent
Interest
Other Expense
Other Expense
Total expenses
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Income Statement
Other Income
Other Expense
Net Profit Before Tax
Tax
Net Profit After Tax
Dividends/Distributions
Other Adjustments
Comments
344159261.xls
Page 1 of 15
Historical Financial Spread Sheets

Date
Loan Officer
Branch
Years
Opinion
Year
Assets
Cash
A/R
Inv
Other current asset
Other current asset
Total current assets
Net fixed assets
Intangibles
Other non-current asset
Total non-current assets
Total Assets
Liabilities
S/T notes payable
Line of credit
CMLTD
A/P
Other current liability
Total current liabilities
Long term debt
Insider debt
Other non-current liability
Total non-current liab.
Total Liabilities
Net Worth
Stock
Other Capital
Retained earnings
Total Equity
Total Liab. and Net Worth
Comments
344159261.xls
Page 2 of 15
0.0%
0.0%
0.0%
0.0%
344159261.xls
Page 3 of 15
344159261.xls
Page 4 of 15
Historical Ratios and Sources & Uses Cash Flow

Date
Loan Officer
Branch
Years
Opinion
Year
Ratios
Sales growth
Gross margin
Expenses
NPAT growth
A/R days
Inv days
A/P days
Working capital
Debt-to-Worth (DTW)
Actual cash flow coverage
Projected cash flow coverage
0.0
0.0
0.0
days
days
days
0.0
0.0
0.0
days
days
days
0.0
0.0
0.0
days
days
days
0.0
0.0
0.0
days
days
days
0.0
0.0
0.0
days
days
days
:1
:1
:1
:1
:1
Sources & Uses

NP(AT/BT)
DEP
INT
Gross Cash Flow
CMLTD+INT
Net Cash Flow
Div/Dist
A/R
Inv
Other CA
A/P
Line
S/T notes
Other CL
Intangibles
Net fixed assets
Other NCA
LTD
Other NCL
Insider debt
Equity
Adjustments
Cash flow
Change in cash
Borrowing Base
Availability
A/R advance %
Disqualified amounts
INV advance %
A/P deduction %
100
S/T notes deduction %
344159261.xls
Page 5 of 15
Interim Financial Spread Sheets

Name
Date
Loan Officer
Branch
Base Year
Year
Months
Sales
CoGS
Gross Profit
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Operating expenses
Depreciation
Bad Debt
Rent
Interest
Other Expense
Other Expense
Total expenses
0.0%
12
Income Statement
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0%
0.0
0.0%
0.0
0.0%
0.0%
0.0
Other Income
Other Expense
0.0
0.0
0.0
0.0
Tax
0.0
0.0
0.0
0.0
Other Adjustments
Comments
0.0%
Interim Financial Spread Sheets

Name
Date
Loan Officer
Branch
Base Year
Year
Months
12
Assets
Cash
A/R
Inv
Other current asset
Other current asset
0.0
0.0
0.0
0.0
Net fixed assets

Intangibles
0.0
0.0
0.0
0.0
Total Assets
0.0
0.0
0.0
0.0
S/T notes payable

Line of credit
CMLTD
A/P
0.0
0.0
0.0
0.0
Long term debt

Insider debt
0.0
0.0
0.0
0.0
Total Liabilities
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Liabilities
Net Worth
Stock
Other Capital
Retained earnings
Total Equity
Total Liab. and Net Worth
Comments
Interim Ratios and Sources & Uses Cash Flow

Name
Date
Loan Officer
Branch
Year
Months
Base Year
12
Projected Annualized Ratios

Sales growth
Gross margin
Expenses
NPAT growth
A/R days
Inv days
A/P days
Working capital
Debt-to-Worth (DTW)
Actual cash flow coverage
Projected cash flow coverage
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
0.0 days
:1
:1
:1
:1
:1
Actual Sources & Uses

NP(AT/BT)
DEP
INT
Gross Cash Flow
CMLTD+INT
Net Cash Flow
Div/Dist
A/R
Inv
Other CA
A/P
Line
S/T notes
Other CL
Intangibles
Net fixed assets
Other NCA
LTD
Other NCL
Insider debt
Equity
Adjustments
Cash flow
Change in cash
Borrowing Base
Availability
A/R advance % Disqualified amounts
INV advance % Disqualified amounts
A/P deduction % Disqualified amounts

100
S/T notes deduction % Disqualified amounts
Projected Financials - Click the plus sign to make manual adjustments to projections
Date
Note: If you accidentally type a character other than a number,
Loan Officer
the formula will return an error. To fix the problem, clear the cell with the bad character,
Branch
clear the year at the top, then re-enter the year at the top.
Projected Cash Generated (Consumed)
Enter Projected Year(s)
Income Statement
Sales growth projection
Sales
CoGS percentage addition
CoGS
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Gross Profit
Operating expenses addition
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0
Operating expenses
Depreciation addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Depreciation + Projected
Owner's compensation addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Bad debt addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Bad Debt
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0
7.00%
7.00%
0.0
0.0
7.0%
7.0%
0.0
0.0
7.0%
7.0%
0.0
0.0
7.0%
7.0%
0.0
0.0
0.0
7.00%
100%
7.00%
100%
0.0
7.0%
100%
7.0%
100%
0.0
7.0%
100%
7.0%
100%
0.0
7.0%
100%
7.0%
100%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Expense
Other Expense addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Expense
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Income
Other expense addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Expense
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Rent addition
Rent
Term Rates
Enter Avg. Rate on Term Debt
Enter Avg. Rate on Insider Debt
Short Term Rates
Enter Avg. Rate on S/T Debt
% of Year O/S
Enter Avg. Rate on LOC Debt
% of Year O/S
Interest
0.0
0.0
0.0
0.0
0.0
Other Expense addition
Total Expenses
Other income addition

Tax Rate on profits %
Project Additional tax rate %
0.0
0.0
0.0
0.0
Taxes
Dividends/Distributions addition
Other Adjustments
344159261.xls
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Page 9 of 15
Date
Loan Officer
Branch
Assets
Cash
0.0
A/R additional days
A/R projected total days
0.0
days
0.0%
0.0
days
0.0
days
0.0
days
0.0
days
0.0
days
0.0
days
0.0
days
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
days
0.0
days
0.0
days
0.0
days
0.0
INV amount
Other current assets addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other current asset

Other current assets addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other current asset
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
A/R amount
INV additional days
INV projection
0.0%
0.0%
0.0%
0.0%
Net fixed assets addition

Net fixed assets + Projected
Intangibles addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Intangibles amount
Other non-current assets addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0

Other non-current assets addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0

Total Assets
Liabilities
S/T notes payable
Line of credit addition
0.0
0.0
0.0
0.0
0.0
Line of credit
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
CMLTD + Projected below

A/P addition
A/P projection
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
days
0.0
days
0.0
days
0.0
days
0.0
A/P
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
CMLTD addition
days
days
days
days
Other addition
Other addition
0.0%
0.0%
0.0%
0.0%
Long term debt addition

Long term debt + Projected below
Insider debt addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Insider debt
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0

Other addition
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other addition
344159261.xls
Page 10 of 15
Date
Loan Officer
Branch
0.0%
0.0%
0.0%
0.0%
Total Liabilities
0.0%
0.0%
0.0%
0.0%
Net Worth
Stock addition
Stock
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Capital
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Retained earnings
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
Other Capital addition
Total Equity
Total Liability and Net Worth
344159261.xls
Page 11 of 15
e bad character,
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
7.0%
7.0%
7.0%
100%
7.0%
100%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0
0.0%
0.0%
344159261.xls
Page 12 of 15
e bad character,
days
days
0.0%
days
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
days
days
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
344159261.xls
Page 13 of 15
e bad character,
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
344159261.xls
Page 14 of 15
Projected Ratios and Sources and Uses

Date
Loan Officer
Branch
Years
Opinion
Year
Projected
Projected
Projected
Projected
Projected
Ratios
Sales growth
Gross margin
Expenses
NPAT growth
A/R days
Inv days
A/P days
Working Capital
Debt-to-Worth (DTW)
Projected Cash Flow Coverage
days
days
days
days
days
days
days
days
days
days
days
days
days
days
days
:1
:1
:1
:1
:1
Sources and Uses

NP(AT/BT)
DEP
INT
Gross Cash Flow
0.0
0.0
0.0
0.0
0.0
CMLTD
INT
Net Cash Flow
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Div/Dist
A/R
Inv
Other current asset
Other current asset
A/P
Line
S/T notes
Intangibles
Net fixed assets
LTD
Insider debt
Equity
Adjustments
Cash flow
Actual Change in Cash
Borrowing Base
Availability
A/R advance % disqualified
disqualified
disqualified
disqualified
disqualified
INV advance % disqualified
disqualified
disqualified
disqualified
disqualified
A/P deduction % disqualified

100
S/T notes deduction % disqualified
disqualified
disqualified
disqualified
disqualified
disqualified
disqualified
disqualified
disqualified
344159261.xls
Page 15 of 15

Financial Spreads and Projections

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Financial Spreads and Projections

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Historical Financial Spread Sheets

Historical Financial Spread Sheets

Historical Ratios and Sources & Uses Cash Flow

Sources & Uses

Interim Financial Spread Sheets

Interim Financial Spread Sheets

Net fixed assets

S/T notes payable

Long term debt

Interim Ratios and Sources & Uses Cash Flow

Projected Annualized Ratios

Actual Sources & Uses

INV advance % Disqualified amounts

A/P deduction % Disqualified amounts

Note: If you accidentally type a character other than a number,

Projected Cash Generated (Consumed)

Enter Projected Year(s)

Other Expense addition

Net Profit Before Tax

Note: If you accidentally type a character other than a number,

Projected Cash Generated (Consumed)

Enter Projected Year(s)

Other current asset

Other current asset

Total current assets

Net fixed assets addition

Other non-current asset

Other non-current asset

Total non-current assets

CMLTD + Projected below

Long term debt addition

Other non-current liability

Other non-current liability

Note: If you accidentally type a character other than a number,

Projected Cash Generated (Consumed)

Enter Projected Year(s)

Total non-current liab.

Other Capital addition

Projected Ratios and Sources and Uses

Sources and Uses

INV advance % disqualified

A/P deduction % disqualified

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