Understanding cash flow is critical to evaluating financial performance, assessing repayment capacity, and identifying risk. This webinar delivers a comprehensive review of multiple business, personal, and commercial real estate cash flow analysis models used in accounting, lending, and financial advisory engagements.
Participants will begin with traditional EBITDA business cash flow and the personal cash flow of the business owner, using the Form 1040 tax return, supporting schedules, K-1s, and the personal financial statement. The session also demonstrates the Global Cash Flow model, combining business and personal cash flow to provide a complete financial picture.
The program continues with a practical examination of UCA Cash Flow (using the Moody’s Lending Cloud software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF) methodologies. The webinar concludes with a focused discussion of commercial real estate (CRE) cash flow analysis, equipping attendees with structured approaches to evaluate financial strength across varied borrower and property scenarios.
Topics Covered:
- Business (EBITDA) & Personal Cash Flow Analyses
- Global Cash Flow: Combining the Business and Personal Cash Flows
- UCA Cash Flow, Cash Basis Cash Flow, Fixed-Charge Coverage, and Free Cash Flow
- CRE Cash Flow Analysis
Your Benefits For Attending:
- Identify and calculate traditional EBITDA and personal cash flow using tax returns and financial statements.
- Construct and analyze Global Cash Flow models that combine business and personal financial data.
- Apply UCA, Cash Basis, FCC, and Free Cash Flow methodologies to assess repayment capacity and financial risk.
- Evaluate commercial real estate (CRE) cash flow using structured analytical techniques.
This webinar provides practical, real-world frameworks you can immediately apply to strengthen your financial analysis, improve credit assessments, and enhance advisory services to business clients.
Who Would Benefit From This Webinar:
CPAs, CFOs/controllers, financial managers, auditors, financial analysts, and practitioners who provide accounting, tax, or consulting services to businesses.
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David is the founder and managing member of David L. Osburn & Associates LLC, a Las Vegas-based business training and contract CFO firm that provides seminar/keynote speeches for various groups including CPAs, bankers, attorneys, credit union employees, credit managers, trade groups, and business owners. He also serves as a contract CFO for several clients including construction companies, medical practitioners, and real estate developers, co-manages a bank educational program with the University of Nevada Las Vegas, and is a board member of North Star Business Services, a commercial lending company (commercial real estate and equipment financing).
His extensive professional background encompasses over 24 years in banking, finance, and marketing. His bank commercial lending credentials include comprehensive loan underwriting, management, customer development, and loan work-out experience.
In addition, David is an Adjunct Professor for Regis University, an accredited MBA program, and the College of Southern Nevada, a community college. He has taught college courses for over 22 years, covering Finance, Accounting, Economics, Marketing, Banking, Business Law, and Management.
He earned an MBA in Finance/Marketing from Utah State University and a BS in Finance from Brigham Young University. He is also a graduate of the University of Oklahoma National Commercial Lending School.
