Using UCA Cash Flow to Make Better Lending Decisions – Recording

Description

Duration: 58 minutes

In many instances cash flow methods like EBITDA and NOI 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 in this webinar from March 19, 2026 and learn how to successfully use UCA techniques to determine whether your borrower has sufficient cash flow to service the debt.

We explore:

• How to construct a UCA cash flow analysis
• How to find 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
After the order is approved, you’ll receive an email with links to download the education materials. After you download, you will be able to save the files to your shared network and use the training for your credit union going forward.

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