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Drafting and Negotiating Financial Covenants

 

Gain an understanding of the most used financial covenants, their purpose and when and how they are tested and calculated.

This topic will cover financial covenants including what is a covenant and why banks and other institutions utilize covenants, common types of financial covenants including the current ratio (liquidity), debt to equity ratio (leverage), and EBITDA (cash flow) calculations, and additional financial covenants including Times Interest Earned (TIE), net worth (including tangible net worth), and the Borrowing Base Certificate (BBC). The information covers drafting or creating financial covenants and negotiating, setting, and monitoring the covenants and explores the breaching of financial covenants and the institution's recourse when a covenant has been exceeded. Case studies will illustrate this topic.

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Drafting and Negotiating Financial Covenants

Agenda

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Drafting and Negotiating Financial Covenants

Faculty

David L. Osburn, M.B.A., CCRA

David L. Osburn, M.B.A., CCRA

Osburn & Associates, LLC

  • Founder and managing member of Osburn & Associates, LLC
  • Practice emphasizes business training and contract CFO work
  • Conducts regular seminars, webinars, and keynote speeches covering banking, financing, credit, negotiation skills, marketing, management, and customized topics
  • National Association of Credit Management (NACM); Credential Certified Credit & Risk Analyst (CCRA)
  • M.B.A. degree in finance and marketing; B.S. degree in finance; ABA National Commercial Lending School
  • Can be contacted at 702-655-1187, [email protected], or dlosburn.com
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Drafting and Negotiating Financial Covenants

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