{"id":8556,"date":"2022-02-07T07:40:35","date_gmt":"2022-02-07T12:40:35","guid":{"rendered":"http:\/\/199.250.223.35\/~craftbrewery\/?p=8556"},"modified":"2022-01-03T10:57:48","modified_gmt":"2022-01-03T15:57:48","slug":"brewery-loan-key-metrics","status":"publish","type":"post","link":"https:\/\/craftbreweryfinance.com\/oldversion\/brewery-loan-key-metrics\/","title":{"rendered":"Brewery Loan Key Metrics"},"content":{"rendered":"<p><strong>If you have loans, you need to track these key metrics<\/strong>: Debt service coverage ratio and debt to equity ratio.<\/p>\n<p>These ratios sound complicated and scary, but in this post we&#8217;ll break them down and explain them in common sense language.<\/p>\n<p><strong>Debt service coverage ratio (DSCR)<\/strong><\/p>\n<ul>\n<li>This ratio compares brewery cash flow in to cash flow out.<\/li>\n<li>&#8220;Cash flow in&#8221; is often measured using EBITDA, which is earnings before interest, taxes, depreciation and amortization.<\/li>\n<li>&#8220;Cash flow out&#8221; is measured using the amount of debt payments you make to the bank.<\/li>\n<\/ul>\n<p><strong>Debt to equity<\/strong><\/p>\n<ul>\n<li>This ratio compares total debt (loans) to the total net equity of the brewery.<\/li>\n<li>This information is found on your balance sheet in the &#8220;liabilities&#8221; section and the &#8220;equity&#8221; section.<\/li>\n<\/ul>\n<p>The first step is to review your loan documents and see what you have for financial requirements on your loan.<\/p>\n<p><strong>The next step is to download this <a href=\"https:\/\/craftbreweryfinance.com\/oldversion\/wp-content\/uploads\/2022\/01\/CBFT-Key-Metrics-Banking-and-Financing.xlsx\">Key Metrics Banking and Financing<\/a> tracker\u00a0and watch the explainer video below.<\/strong><\/p>\n<p><iframe src=\"https:\/\/player.vimeo.com\/video\/661981979?h=76e6b409e3\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>P.S. The <a href=\"https:\/\/craftbreweryfinance.com\/oldversion\/downloads\/online-course-ultimate-guide-to-brewery-metrics\/\">Ultimate Guide to Brewery Key Metrics<\/a> is included with your subscription to <a href=\"https:\/\/craftbreweryfinance.com\/oldversion\/downloads\/craft-brewery-finance-monthly-subscription\/\">Craft Brewery Financial Training<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have loans, you need to track these key metrics: Debt service coverage ratio and debt to equity ratio. These ratios sound complicated and scary, but in this post we&#8217;ll break them down and explain them in common sense language. Debt service coverage ratio (DSCR) This ratio compares brewery cash flow in to cash [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pgc_meta":"","_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-8556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial"],"_links":{"self":[{"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/posts\/8556"}],"collection":[{"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/comments?post=8556"}],"version-history":[{"count":0,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/posts\/8556\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/media\/8558"}],"wp:attachment":[{"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/media?parent=8556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/categories?post=8556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/craftbreweryfinance.com\/oldversion\/wp-json\/wp\/v2\/tags?post=8556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}