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Post by tybalt on Mar 7, 2015 10:48:33 GMT
Now you tell me  |
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Post by jevans4949 on Mar 7, 2015 16:25:40 GMT
I would have thought it would be easier to project cash flow on this sort of thing than on a wind turbine, given that it doesn't depend on guesstimates of wind speed. Inputs and outputs (in terms of volume) must be more predictable, although costs and revenues are probably subject to markets - but then that applies to any industrial process.
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duck
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Post by duck on Mar 7, 2015 18:24:15 GMT
There is a lot of experience with WTs now and the efficiency of them (can be down to ~20%) so a pessimistic estimate can quite easily be made. With AD's the variables can give larger swings. With WTs the only unquantifiable variable that should be looked out for is the 'downrating' of larger turbines in order that they qualify for more generous subsidy, but since that procedure works in 'our' favour (the system is more efficient) where this is noticed it could be considered an incentive.
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bg
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Post by bg on Mar 8, 2015 11:32:35 GMT
This loan is now fully funded and will draw before the end of this month.
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mikes1531
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Post by mikes1531 on Mar 8, 2015 16:32:51 GMT
This loan is now fully funded and will draw before the end of this month. Doesn't that mean it should now be on the Upcoming Loans list? Or doesn't that happen automatically? Perhaps it's a manual operation that will happen on Monday. Or are there additional steps to achieve before a loan appears as Upcoming?
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tonyr
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Post by tonyr on Mar 8, 2015 17:13:39 GMT
This loan is now fully funded and will draw before the end of this month. Doesn't that mean it should now be on the Upcoming Loans list? Or doesn't that happen automatically? Perhaps it's a manual operation that will happen on Monday. Or are there additional steps to achieve before a loan appears as Upcoming? It requires manual work because this one is back on the old scheme of first come first served.
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mikes1531
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Post by mikes1531 on Mar 8, 2015 19:44:06 GMT
It requires manual work because this one is back on the old scheme of first come first served. : Are you referring to underwriter bidding? Or what happens when the loan draws down and is released to 'retail' lenders? If the latter, then that's a new development.
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tonyr
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Post by tonyr on Mar 8, 2015 20:55:18 GMT
It requires manual work because this one is back on the old scheme of first come first served. : Are you referring to underwriter bidding? Or what happens when the loan draws down and is released to 'retail' lenders? If the latter, then that's a new development. I guess the answer you are looking for is underwriter bidding, but I don't really understand your question. The loan is full now, whatever the auction period says and whatever the software says. On Monday someone will come in and sort it all out and then all will become clear as normal.
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Post by chris on Mar 8, 2015 21:51:21 GMT
It requires manual work because this one is back on the old scheme of first come first served. : Are you referring to underwriter bidding? Or what happens when the loan draws down and is released to 'retail' lenders? If the latter, then that's a new development. I think tonyr is saying that this is one of the old loans where underwriting was still an over the phone manual process and one of the admins would place the bids on the system. When the loan draws down it's the same story - it's up to the admin / underwriter to manually list the loan units for sale. The newer loans allow underwriters to manage their bids online and are fully automatic at drawdown.
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mikes1531
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Post by mikes1531 on Mar 9, 2015 3:53:22 GMT
tonyr: Are you referring to underwriter bidding? Or what happens when the loan draws down and is released to 'retail' lenders? If the latter, then that's a new development. I guess the answer you are looking for is underwriter bidding, but I don't really understand your question. : I misunderstood what you had said -- I was thinking that a new method of bidding was about to be introduced -- so I can see why you wouldn't have understood what I was asking. chris's explanation has cleared up my confusion.
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kermie
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Post by kermie on Mar 9, 2015 12:54:35 GMT
Loan #160 (AD) now available under upcoming loans.
Lots to read indeed!
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kermie
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Post by kermie on Mar 9, 2015 12:56:34 GMT
Loan #162 - care home - also "upcoming"
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Post by Ton ⓉⓞⓃ on Mar 9, 2015 14:03:33 GMT
Loan #162 - care home - also "upcoming" With the Care Home. The only concerns for me on first read are the next CQC visit; this is an unknown that all care homes experience, the other concern being that c£60k will be used as working capital. I don't know how significant that is any ideas?
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am
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Post by am on Mar 9, 2015 15:22:07 GMT
Loan #162 - care home - also "upcoming" With the Care Home. The only concerns for me on first read are the next CQC visit; this is an unknown that all care homes experience, the other concern being that c£60k will be used as working capital. I don't know how significant that is any ideas? What concerned me was that the LTV valuation was for the building as an operating care home, with a rather lower figure if the business was closed.
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oldgrumpy
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Post by oldgrumpy on Mar 9, 2015 15:37:37 GMT
It disappeared while I was reading the credit report! Bearing in mind the recent failure of a care home in Herefordshire because the County Council decided to reduce payment to far less than the actual cost of the care, I have reservations about these places now. See O*******s Healthcare on FK.
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