Using UCA Cash Flow to Make Better Lending Decisions – March 19, 2026

Description

Date: Thursday, March 19

Time: 11:00 a.m. Pacific

Duration: 60 minutes

In many instances cash flow methods like EBITDA and NOI just aren’t enough to properly understand repayment ability, especially for businesses with significant balance sheet items. Uniform Cash Flow Analysis (UCA) is a type of analysis designed by bankers to properly account for how the balance sheet affects business cash flow, and is a vital step in analyzing more complex borrowers. As a powerful tool for lenders, UCA cash flow is effective in painting a financial picture and evaluating a company’s ability to repay a loan.

Join CUBG’s Mike Smith for this webinar and learn how to successfully use UCA techniques to determine whether your borrower has sufficient cash flow to service the debt.

This webinar will discuss:

• How to construct a UCA cash flow analysis
• Finding the information needed to calculate UCA, including identifying the borrowing causes, the sources of cash used to service debt, the financing need or surplus, and the sources of cash being used to finance the business operations and growth
• What the balance sheet tells us about cash flow and how it can limit or enable repayment ability
• When to rely on UCA cash flow in place of EBITDA or NOI
• Real-life UCA examples
• The UCA template you can use to better understand your members’ ability to repay a loan

Purchase Terms & Conditions

For live webinars, a full-team registration includes multiple attendees for your credit union. Please include these emails in the notes section at checkout. Each attendee will need a unique login link for access.

A recording of this session is available for full-team access registrations upon request. For individual registrations for webinars, the recording will be available to purchase after the session. If you registered as an individual, you can request a discount code to use on the recording purchase.

Educational materials are proprietary and are not to be shared outside of the purchasing credit union.