record of somebody's repayment of loansa potential borrower's record of debt repayment. Individuals or organizations with a poor credit history may find it difficult to find lenders who are willing to give them a loan.
Assessing Cash Flow and Bank Lending Requirements This checklist explains what to look out for when assessing cash flow and what the banks require from a business when lending money and assessing cash flow.
How to Manage Your Credit Rating This checklist describes credit ratings, and how and why you should manage yours for your own benefit.
Securitization: Understanding the Risks and Rewards by Tarun Sabarwal In broad terms, securitization can be viewed as pooling receivables and selling claims to these receivables in capital markets. For example, a mortgage lender may pool together thousands of mortgages and sell claims on mortgage receivables to investors. Historically, the first securitizations in the 1970s in the United States were those of pools of mortgages. With the success of mortgage-backed securities, other groups of receivables were...