Magazine article Business Credit

Ratio Master, Version 1.0

Magazine article Business Credit

Ratio Master, Version 1.0

Article excerpt

Ratio Master is a financial-analysis program developmentby Nicholas Delonas, MBA and marketed by Intex Solutions, Inc. Ratio Master analyzes the information available in the typical corporate annual report and generates more than 65 key financial ratios that indicate the company's underlying financial patterns and provide a firm basis for financial and credit decision making.

A stand-alone program, Ratio Master can also exchange data with most popular spreadsheets (and ASCII files) to develop a detailed analysis of a company's financial data. Ratio Master supports an unlimited number of companies.

Ratio Master is useful to anyone who needs to evaluate the health and soundness of new or existing businesses. Investors, bankers, accountants, and credit analysts will all find the information generated by Ratio Master of immense value.

We use the information generated by Ratio Master to evaluate the credit worthiness of prospective clients with whom we are entering into long-term engagements where we have a significant credit exposure.

If you are familiar with Lotus 1-2-3, you will feel at home with the menus and operation of Ratio Master. The screens, menus, and cursor control are identical to the "feel" of the flagship Lotus product. At all points in the program, context-sensitive help is available by pressing F1.

You can input up to five years of data for a firm, allowing the user to see historical trends develop in particular data and ratios. During the data entry phase, Ratio Master makes excellent use of color (if available), allowing a user to quickly spot areas not yet filled in.

Data can be entered either manually (via keyboard) or imported through the Automatic Import Facility of Ratio Master. When inputting data manually, Ratio Master will lead you through input "pages." These pages group data into logical blocks such as the balance sheet, income statement, statement of cash flows, and statement of changes in financial position.

The import utility of Ratio Master uses artificial intelligence to translate a file and determine the contents of each line. It makes intelligent guesses to determine what is balance sheet, profit and loss, and other financial data types. All assumptions are detailed in an audit file, so that the importation can be reviewed for accuracy. I have had excellent results importing data from our company's general ledger (SBT Accounting), spreadsheets provided by clients, and financial data captured from financial information services. …

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