Kyle Peterdy – Retail, Restaurant, & Franchise Lending – CFI Education

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Exploring the Essential Features of “Kyle Peterdy – Retail, Restaurant, & Franchise Lending – CFI Education”

Retail, Restaurant, & Franchise Lending

Step into the shoes of a commercial credit professional to explore why lending to retail, restaurant, and franchise businesses is so unique.

• Appreciate how physical and technological infrastructure impact financial position
• Look at a series of adjusted ratios and how to calculate them
• Tie the various course concepts together using an example case study

Overview

Retail, Restaurant, & Franchise Lending Course Overview

This course examines the details necessary for assessing a loan for retail companies, restaurants, and franchise businesses. These businesses differ from traditional commercial borrowers and other supply chain companies. Unlike wholesalers or manufacturers, retailers and restaurants generally require high rent and occupancy costs to succeed, among other factors. This course will show you how to identify these factors and adjust for them to enable you to assess a loan for these prospective borrowers. At the end of this course, we will examine a case study using a real-world scenario.

Retail, Restaurant, & Franchise Lending Learning Objectives

Upon completing this course, you will be able to:

• Compare retail trade and food-service businesses to more traditional commercial banking clients across other parts of the supply chain
• Identify important characteristics that inform the level of credit risk associated with any given operator
• Explain what makes food-service businesses unique, as well as how franchise brands can help mitigate some industry risk
• Calculate adjusted lending ratios and interpret the differences between these and more traditional credit metrics

Who should take this course?

This course is designed for current and aspiring commercial banking professionals and credit analysts. Retail, restaurant, and franchise clients are just one category among many borrowers that a commercial banker or credit analyst will encounter. This course will prepare you with the knowledge to assess a loan for these businesses properly.

What you’ll learn

Introduction
Introduction 
Learning Objectives 
Download Course Files

Retail Trade
Retail Trade Background 
Supply Chain 
Interactive Exercise 1 

Comparing Business Models
Key Differences Across the Supply Chain
The Nature of Sales
The Balance Sheet
Property, Plant, and Equipment
The Nature of Credit
Cash Conversion Cycle
Proximity to End Users
Business Model Summary
Interactive Exercise 2

Differentiating Factors
Scorecard
E-Commerce
Omni Channel Retailing
Consumer Discretionary vs. Consumer Staple
Interactive Exercise 3
Diversification of Product and Service Offerings
Loyalty and Reward Programs
Franchise vs. Independent
Geographic Diversification and Brand Recognition
Sales per Square Foot
Interactive Exercise 4

Restaurants & Food Service
Food Service Business – Context
Capacity Constraints
Smoothing Demand
Interactive Exercise 5

Mid-Way Check-in
Mid-way Check-in

Quantitative & Ratio Analysis
Key Credit Metrics
Capitalization of Off-Balance Sheet Obligations
Net Present Value
Adjusting the Balance Sheet
Interactive Exercise 6
Adjusted Leverage
Adjusted Debt Service Coverage (DSC)
Adjusted vs. Unadjusted
Comparable Store Sales Growth
Comps Growth Example – Unadjusted Growth
Comps Growth Example – Adjusted Growth
Comps Growth Example – Revenue-Weighted Growth
Download Complete Case Files

Case Study – Domino’s Pizza
Case Study – Domino’s Pizza
Physical Sites and Delivery
Digital Leadership
Geographic Strategies
Domino’s Tying It All Together
Case Study – Client Background
Case Study – Credit Metrics
Case Study – Combined Analysis
Download Complete Case Files

Conclusion
Conclusion

Qualified Assessments
Qualified Assessment

Please see the full list of alternative group-buy courses available here: https://lunacourse.com/shop/