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Evaluating The Loan Proposal - Adam Wong

In evaluating the loan proposal the lender should take into account
- Customer's Request
- Amount of the loan
- Purpose of the loan
- Source of repayment
- Evaluating the viability of the borrower

The viability of the borrower is further dependent of the following factors:
- Business Viability
- Operational Efficiency
- Management Quality
- Stage Of Growth Of The Business
- Historical & Projected Performance

In evaluating the financial statements lenders should be aware of the following limitations of financial
statements
- impact of inflation
- income recognition
- revenue Vs capital expenditure
- deferred expenditure
- valuation methods
- non-cash expenditure
- intangible assets and goodwill
- contingent liabilities