Since 1996, JaxWorks has offered a suite of Free Excel workbooks and spreadsheets, and associated MS Word, PDF

and HTML
documents, that cover a number of financial, accounting and sales functions. These are invaluable small business tools.

Also included Free are:

- business plan tools, including spreadsheets and excellent instructions
- Excel functions glossary and guide;
- free training courses for most Microsoft Office applications. These guides are in PDF format and rival commercial books!
- comprehensive list of acronyms, ratios and formulas in customer financial analysis, and financial terms;
- suite of online calculators, including, breakeven analysis, productivity analysis, business evaluation;
- Altman Z-Score (covering publicly and privately held firms, and small businesses);
- and payroll analysis.

If you are involved in financial analysis at any level, or want to learn more about MS Excel and other applications in the Office suite
this site is invaluable.

© Copyright, 2010, Jaxworks, All Rights Reserved.

Score: 42 Congratulations, Your Loan is Approved!

Bankers look for businesses with solid, well-developed root systems that will
provide cash for inventory buildups, expansion into new markets, and
additions to plant or equipment. This tool will help you evaluate your
business.

Color Legend

Congratulations, Your Loan is Approved!

Sorry, You Don't Qualify. The Loan Tree

Business Growth
Directions
Enter a One "1" (YES) or Zero "0" (NO) Purchase of Equipment
in the cell by each category. Purchase or Expansion of Facilities

Seasonal Working Capital

New Markets, Products, Branches, Sales Force

Loan Approval or Denial

Your Position in Industry

1 Reputation among peers Credit Record

1 Market Share/Trend Other Banks

1 Innovator/Follower Experience 1 Type of Credit 1 Size of Credit 1

1 Financial Comparison Suppliers

Experience 1 Credit Availability 1 Number 1

1 Company Management
Asset Quality
Overall Management
1 Balance Real Estate

1 Succession Adaptability 1 Condition 1 Location 1

1 Depth

Second-tier Management Equipment

1 Ability
Obsolescence 1 Condition 1 Age 1
1 Experience

1 Age
Inventory
CEO
1 Ability Durability 1 Turnover 1 Freshness 1

1 Experience
Accounts Receivable
1 Age
Aging 1 Geographic distribution 1 Amount of concentration 1 Average size 1
Industry Condition

Competitors Cash/Flow Debt

1 Number 1 Growth rate/trend Plus Profit 1 Plus depreciation 1 Less increase in assets 1 Less debt-service requirements 1

1 Quality 1 Profitability

1 Recent experience of Lender

© Copyright 2010, Jaxworks, All Rights Reserved

© Copyright, 2010, Jaxworks, All Rights Reserved.