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[null,"Score:",{"$f":"SUM($C$74:$AB$74)","v":42},{"$f":"IF(CellsToCheck>30,\"   Congratulations, Your Loan is Approved!\",\"   Sorry, You Don't Qualify.\")","v":"   Congratulations, Your Loan is Approved!"}]
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[null,"Bankers look for businesses with solid, well-developed root systems that will provide cash for inventory buildups, expansion into new markets, and additions to plant or equipment. This tool will help you evaluate your business."]
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[]
[]
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[null,null,null,"Color Legend"]
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[null,null,null,"   Congratulations, Your Loan is Approved!"]
[null,null,null,"   Sorry, You Don't Qualify.",null,null,null,null,null,null,"The Loan Tree"]
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[null,null,null,null,null,null,null,null,null,"Business Growth"]
[null,null,null,"Directions"]
[null,null,"Enter a One \"1\" (YES) or Zero \"0\" (NO)",null,null,null,null,null,"Purchase of Equipment"]
[null,null,"in the cell by each category.",null,null,null,null,null,null,null,null,"Purchase or Expansion of Facilities"]
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[null,null,null,null,null,null,null,null,"Seasonal Working Capital"]
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[null,null,null,null,null,null,null,null,null,null,null,"   New Markets, Products, Branches, Sales Force"]
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[]
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[null,null,null,null,null,null,null,null,null,"Loan Approval or Denial"]
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[null,null,null,null,null,null,null,"Your Position in Industry"]
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[null,null,null,1,"Reputation among peers",null,null,null,null,null,null,"Credit Record"]
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[null,null,null,null,null,1,"Market Share/Trend",null,null,null,null,null,null,"Other Banks"]
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[null,null,null,null,null,null,1,"Innovator/Follower",null,null,null,null,"Experience",null,1,null,"Type of Credit",null,1,null,"Size of Credit",null,1]
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[null,null,null,null,null,null,1,"Financial Comparison",null,null,null,null,null,"Suppliers"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"Experience",null,1,null,"Credit Availability",null,1,null,"Number",1]
[null,null,null,null,1,null,null,"Company Management"]
[null,null,null,null,null,null,null,null,null,null,null,"Asset Quality"]
[null,null,null,null,null,null,null,"Overall Management"]
[null,null,null,null,1,"Balance",null,null,null,null,null,null,null,"Real Estate"]
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[null,null,null,null,null,null,1,"Succession",null,null,null,null,"Adaptability",null,1,null,"Condition",1,null,"Location",1]
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[null,null,null,null,null,null,null,1,"Depth"]
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[null,null,null,null,null,null,null,"Second-tier Management",null,null,null,null,null,"Equipment"]
[null,null,null,null,1,"Ability"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Obsolescence",null,1,null,"Condition",1,null,"Age",1]
[null,null,null,null,null,null,1,"Experience"]
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[null,null,null,null,null,null,null,1,"Age"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Inventory"]
[null,null,null,null,null,null,null,"CEO"]
[null,null,null,null,1,"Ability",null,null,null,null,null,null,"Durability",null,1,null,"Turnover",1,null,"Freshness",1]
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[null,null,null,null,null,null,1,"Experience"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Accounts Receivable"]
[null,null,null,null,null,null,null,1,"Age"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Aging",1,null,"Geographic distribution",null,null,1,null,"Amount of concentration",null,null,1,null,"Average size",null,1]
[null,null,null,null,null,null,null,"Industry Condition"]
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[null,null,null,null,null,"Competitors",null,null,null,null,null,"Cash/Flow Debt"]
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[null,null,1,"Number",null,1,"Growth rate/trend",null,null,null,null,null,"Plus Profit",1,null,"Plus depreciation",null,1,null,"Less increase in assets",null,null,1,null,"Less debt-service requirements",null,null,1]
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[null,null,1,"Quality",null,null,1,"Profitability"]
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[null,null,null,null,null,null,1,"Recent experience of Lender"]
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