K-1 & Pass-through Series: What difference does cash vs accrual make?
Автор: Lenders Online Training
Загружено: 2025-11-25
Просмотров: 3
👉 Is this borrower on a cash basis or an accrual basis❓
Before you look at a single number, this one distinction determines how you interpret revenue trends, expense patterns, cashflow, and even borrower explanations.
We’ll cover:
🔹 The real-world differences between cash basis and accrual
🔹 Why cash basis income can make a strong year look weak…or a weak year look strong
🔹 How to avoid “business is down!” mistakes that erode borrower confidence
🔹 Where to find accrual clues in a cash-basis tax return
🔹 How Schedule B and Schedule L help you understand the actual operating cycle
🔹 Practical examples you can use immediately in your next loan conversation
I’ll also share a true story from my own business, one that left a very confused lender (and a very surprised me), to illustrate how cash basis reporting can completely distort the picture.
Whether you’re reviewing 1040s, K-1s, or full business returns, understanding cash vs. accrual is essential to spotting red flags, asking better questions, and making good credit decisions.
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