What we do

Hilborn & Howell, LLC is a financial services company that aims to provide superior, accurate, efficient, and in-depth cash flow analysis for bank loan production purposes. We offer excellent credit analysis that many banks seek, helping to improve their overall asset quality. Furthermore, we save our clients time and money, ultimately increasing their bottom line and lowering their efficiency ratio. Now more than ever, it's essential to perform superior cash flow analysis to help protect your bank from unwanted losses. Our analysis is independent, timely, and will fit nicely into the lender’s loan packet. We provide in-depth cash flow analysis as a tool when it comes time to make a loan decision.

We provide

  • Debt to income ratio

  • Business debt coverage ratio

  • Global Debt Coverage Ratio

  • Project Debt Service Coverage Ratio

  • Balance Sheet Analysis

  • Risk-rating determination

  • Projections

  • Uniform Credit Analysis

  • Cash Flow Analysis Policy and Procedure Review

Business Cash Flow Analysis

Business cash flow analysis is a vital element in the underwriting process. Our business cash flow analysis is straightforward and shows the critical information necessary to help in the loan decision. We spread financials on the three most recent years and include interim statements and projections.

Balance Sheet Analysis

Our balance sheet analysis is an essential aspect of understanding a businesses' ability to service debt. Furthermore, it provides insight into their liquidity, solvency, and profitability. Some of the ratios we provide include the current ratio, quick ratio, cash ratio, debt to assets, debt to equity, return on assets, return on equity, gross margin, operating margin, and net profit margin.

 

Global Cash Flow Analysis

The global cash flow analysis captures the big picture of a borrower's ability to repay debt. We spread financials on all relevant businesses owned by the borrower. This business income and interest and depreciation add-backs flow to the global cash flow for an overall evaluation of the borrower's debt-coverage ratio. All business cash flows are combined on the global cash flow for an overall evaluation of a borrower’s ability to repay debt.

“H&H does fantastic and timely work. Our lenders consistently comment about the quality of their work and how easy they are to communicate with. They have become a trusted and valuable resource for our bank.”

Garrett Kissinger – FNBC Ash Flat