OfficeHours

AUGUST 25, 2023

In particular, new guidelines from the FDIC and Federal Reserve (among other governmental agencies) made it more difficult for banks to underwrite financings that resulted in debt-to-EBITDA ratios in excess of 6.0x. This capital is released once investors buy the debt off the banks’ balance sheets.

Private Equity 130

Private Equity Equities Debt Finance 130

Peak Frameworks

MAY 2, 2024

Credit Risk Mitigation: Strategies such as credit insurance, stringent customer vetting, and proactive receivables management can help mitigate the risks associated with credit sales. Bad Debt Management: Estimating the likelihood of non-payment and accounting for bad debts is crucial for providing a realistic view of financial health.

Sale 52

Sale Accountant Financial Statement Business 52

M&A Leadership Council

MAY 9, 2024

Here are 32 red flags to watch out for: Inconsistent Financial Records: Discrepancies or irregularities in financial statements, such as unexplained revenue fluctuations or irregular accounting practices, can indicate financial instability or potential fraud.

Mergers and Acquisitions 52

Mergers and Acquisitions M&A Debt Accountant 52

Sica Fletcher

APRIL 16, 2020

Many clients have asked us our views about how the COVID-19 pandemic will affect the insurance brokerage industry broadly and the M&A and strategic market for brokers in particular. The Insurance Business is a GDP Business – That is the Big Risk What do we mean when we say that the insurance business is a GDP business?

Insurance 52

Insurance Business IT Economics 52

Wall Street Mojo

JANUARY 17, 2024

Statement of Cash Flows Definition A Statement of Cash Flow is an accounting document that tracks the incoming and outgoing cash and cash equivalents from a business. It helps identify the availability of liquid funds with the organization in a particular accounting period.

Accountant 98

Accountant Finance Finance Profitability 98

How2Exit

MARCH 12, 2023

Concept 3: Document and insure Ownership One of the most important elements of planning for sale is to document and insure ownership. In addition to documenting ownership, it is also important to insure ownership. This means that it is important to have a clear understanding of the business and the contracts that are in place.

M&A 130

M&A Business Insurance Mergers and Acquisitions 130

Wizenius

JUNE 21, 2023

Develop a risk mitigation strategy for each identified risk, such as structuring contracts to minimize exposure to regulatory changes or securing political risk insurance. Debt Financing: Explore options for debt financing, such as loans from local or international banks, multilateral development banks, or export credit agencies.

Finance 52

Finance Finance Debt Government 52

Razorpay

AUGUST 9, 2023

Example of Merchant Banking In 2021, merchant bank Avendus Capital helped the Indian company Piramal Enterprises acquire the debt-ridden assets of Dewan Housing Finance Corporation (DHFL) for ₹34,250 crore ($4.4 It is an accounting and banking platform that fills the gap between advanced banking solutions and finance professionals.

Bank 52

Bank Banking Business Underwriting 52

Razorpay

FEBRUARY 6, 2024

1,00,000 1% 2% 194D Payment of insurance commission to domestic companies Rs. 15,000 NA 10% 194D Payment of insurance commission to companies other than domestic ones Rs. 15,000 5% NA 194DA Maturity of Life Insurance Policy Rs. 1,00,000 1% 2% 194D Payment of insurance commission to domestic companies Rs.

Insurance 98

Insurance Government Business Bank 98

IBG

SEPTEMBER 11, 2024

Strengthen your ratios: working capital, debt-to-equity, “quick,” price-to-earnings, return on equity, etc. As examples: Make sure your inventory and asset records align with what is physically there.

Sale 52

Sale Business Financial Statement Profitability 52

Razorpay

AUGUST 20, 2023

Cost accounting is the branch of accounting that analyses costs to make it as efficient as possible. Some of the common fixed costs are employee salaries, interest, rent, insurance, lease, insurance, utility payments, phone service, advertising costs, amortization, and more. What is Fixed Cost? Explore RazorpayX!

Business 52

Business Profitability Sale Utilities 52

Razorpay

DECEMBER 20, 2023

Debit Card Payments Debit cards allow you to make transactions by deducting funds from your bank account. Limited funds: You can only spend what’s in your bank account. No interest: You don’t accumulate debt as with credit cards. Interest: Accumulates debt if not paid in full, leading to high interest rates.

Accountant 52

Accountant Business Bank Banking 52

Razorpay

MAY 11, 2023

But in an LLP no partner is liable on account of the independent or unauthorized actions of other partners, thus protecting the personal assets of individual partners. This means that the personal assets of the partners are protected from any business debts or legal liabilities incurred by the LLP. Basically, an unsettled debt.

Accountant 52

Accountant Business Bank Banking 52

Growth Business

JULY 25, 2024

“We are seeing an increasing number of providers of this type of loan facility in the market,” said Todd Davison, MD of Purbeck Personal Guarantee Insurance. – What is venture debt? Merchant cash advances have been around since 1998, but they’ve made their mark on the alternative finance industry since.

Finance 84

Finance Finance Business Sale 84

Sica Fletcher

JUNE 2, 2020

Insurance Agency & Brokerage M&A Update Many of our clients have been asking us “now that the first phase of the coronavirus pandemic seems to be ending, where do things stand with insurance brokerage M&A?” As a result, they had and continue to have large pools of equity and debt capital to deploy in acquisitions.

Insurance 52

Insurance Broker Private Equity M&A 52

Sun Acquisitions

NOVEMBER 1, 2024

Acquiring companies need to understand the target’s digital capabilities, potential technology debts, and how well their systems integrate with their own. Consider cyber insurance as an added layer of protection. Data Analytics Integrating advanced data analytics tools has transformed how companies approach M&A.

Mergers 59

Mergers Mergers and Acquisitions Business Acquisitions 59

Wall Street Mojo

JANUARY 17, 2024

The lender, in this case, who buys the instrument has to pay the premium like that of an insurance policy, in exchange of which the seller of the instrument will compensate for the loss in case of default faced by the buyer of the instrument from their borrower. The payment continues till the maturity of the agreement.

Financial Modeling 52

Financial Modeling Financial Models Insurance Valuation 52

Lake Country Advisors

JULY 25, 2024

Examine debt and credit history. Investigate these aspects to grasp the company’s borrowing history and current debt obligations and gauge financial risks. Verify accounts receivables and payables. Review insurance coverage. Analyze business continuity plans.

Business 104

Business Mergers and Acquisitions Negotiation Risk Assessment 104

Wall Street Mojo

JANUARY 18, 2024

Some of these are banks, NBFCs, investment companies, brokerage firms, insurance companies and trust corporations. It is also important to mention that non-sovereign bonds carry a high amount of counterparty risk, which needs to be taken into account before investing. Table of contents What Is A Bullet Bond?

Financial Modeling 52

Financial Modeling Financial Models Financial Institution Debt 52

Chesapeake Corporate Advisors

MAY 2, 2023

A $50 million transaction might include $42 million cash at close (guaranteed), a $5 million seller’s note (where the seller agrees to accept a portion of the purchase price as a series of debt payments), and $3 million in earnouts (which are only paid if the company achieves certain financial metrics over time).

Business 52

Business Investment Banking Corporation Advisory 52

Mergers and Inquisitions

JULY 17, 2024

Some people get in via the top IITs, the Chartered Accountant (CA) designation, and other means, such as networking / lateral hiring , but these are lower probability than the IIM route. Financials are usually in the #1 spot because banks and insurance firms constantly issue debt; other sectors trade places in the rankings.

Investment Banking 59

Investment Banking Bank Banking Investment 59

Mergers and Inquisitions

MARCH 13, 2023

Remember that, normally, a bank issues loans and then finds the liabilities (deposits, debt, etc.) Deposits up to $250K are insured in the U.S., but less than 10% of accounts at SVB were in that category (an unusually low percentage). If you’re familiar with bank accounting, valuation, and regulatory capital (i.e.,

Bank 123

Bank Banking Funds Government 123

M&A Leadership Council

JUNE 18, 2024

Risk Mitigation: Develop strategies to mitigate or manage each identified risk: Implement financial hedging and insurance solutions for financial risks. Ensure transparency and accountability in risk reporting practices. Key Components of an M&A Risk Assessment 1.

Risk Assessment 52

Risk Assessment M&A Mergers and Acquisitions Risk Management 52

M&A Leadership Council

JUNE 18, 2024

Risk Mitigation: Develop strategies to mitigate or manage each identified risk: Implement financial hedging and insurance solutions for financial risks. Ensure transparency and accountability in risk reporting practices. Key Components of an M&A Risk Assessment 1.

Risk Assessment 40

Risk Assessment M&A Risk Management Mergers and Acquisitions 40

How2Exit

MARCH 1, 2023

If the seller is not willing to put a significant portion of the purchase price in an escrow account to cover any potential cleanup costs, then it is probably best to look for a different deal. Finally, creative insurance products may also be available, but this is an area that requires expert advice and research.

M&A 130

M&A Business Mergers and Acquisitions Negotiation 130

IBG

JANUARY 31, 2023

Investopedia puts it less delicately, noting that a QofE report reveals a clearer picture of earnings “by dismissing any anomalies, accounting tricks, or one-time events that may skew the real bottom-line numbers.” Company- and industry-specific issues (federal, state, local) Regulatory compliance (e.g.,

Sale 52

Sale Business M&A Mergers and Acquisitions 52

Cooley M&A

SEPTEMBER 16, 2024

Post-closing adjustments for changes in cash, debt and working capital are challenging to implement and are not used as frequently in merger of equal combinations as compared to traditional private company acquisitions. As a result, the parties often agree to tighter interim operating covenants to limit any potential leakage of value.

Mergers 52

Mergers Mergers and Acquisitions Stock Valuation 52

How2Exit

MARCH 24, 2023

To do this, he obtained his insurance and securities licenses and started helping developers raise money. They can help them with things such as accounting, profit and loss statements, and other financial documents. As the economy trends towards recession, debt becomes more expensive, making it harder for small businesses to sell.

M&A 130

M&A Business Mergers and Acquisitions Investors 130

GillAgency

FEBRUARY 10, 2022

As such, your accountant or CFO has to be part of the exit team. If you cannot divulge the sale to your CFO or accountant, consider hiring an external accountant. However, we strongly advice that you bring your current CFO or accountant into the team. Your team will also feel more confident about the process.

Business 52

Business Sale Broker IT 52

Growth Business

AUGUST 3, 2023

“Be clear on your strategy to investors and the type of investor you are looking for, i.e. investors that can provide strategic input and/or opportunities to help grow and develop the business by way of technology or distribution,” said Todd Davison, MD of Purbeck Personal Guarantee Insurance. Here’s where you could get funding.

Funds 52

Funds Investors Investment Business 52

Cooley M&A

MARCH 17, 2020

Most private acquisition agreements contain purchase price adjustments to address fluctuations in a target’s debt, cash and working capital (among other things) between signing and closing. Insurance coverage. See this Cooley Alert for more information on the applicability of force majeure provisions in this current environment.

Negotiation 40

Negotiation M&A Stock Insurance 40