FINTEL's self-paced, web-based learning enables you to learn according to your schedule, whenever you want and wherever you are. Included in the collection are FINTEL specific study materials as well as general guides on financial analysis.

FINTEL Online Help: easily accessible detailed instructions on how to complete key activities within FINTEL Business Analyzer

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Show Me Videos: Audio and visual overview demonstration to "show you" how to complete a task or activity within FINTEL Business Analyzer and how to interpret the results

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White Papers:

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Listed below are some articles that will help you understand the financial analysis techniques used in the FINTEL Tools to evaluate the performance of a business and to suggest improvements. Developed in academia and tested by many businesses around the country, these techniques can help you dramatically improve your company's liquidity, profitability, and cash flow.

• Financial Management Techniques for Small Business Owners

  The article provides a general framework for the financial management techniques used by FINTEL Tools, and describes their importance for the success of a small business.

• Small Business vs. Large Business: Differences in Management Practices

  Small businesses are fundamentally different than large businesses.  For appropriate and effective management practices to be selected, small business owners must be aware of some of these fundamental differences in operating characteristics.

• Benchmarking Analysis Using Common Financial Ratios

  The article describes the ratios used by FINTEL Tools to compare a company against its industry peers. A formula is given for each of the 15 "standard" ratios.

• Adequate Return on Asset Investment

  This article describes how Return on Asset Investment (ROAI) can be used to measure and improve your firm's profitability.

• Net Balance Position Analysis: Managing for Cash Liquidity

  This article describes Net Balance Position, a powerful technique for managing the cash flows of a firm.

• Sustainable Growth Rate Analysis: How Fast Should Your Company Grow?

  This article describes Sustainable Growth Rate, an innovative method for estimating the maximum realistic rate of sales growth for a company.

• The Process of Business Valuation

  This article describes the various criteria that can be used to estimate the value of a small business.

• Normalizing Financial Statements

  This article describes the steps you need to take to prepare your financial statements for use in managerial decision-making.

Selected Publications

The Use of Financial Ratios for Research: Problems with and Recommendation for Using Large Databases

This academic paper describes the work accomplished by FINTEL to develop cleaning and adjustment techniques for large databases to prepare them for meaningful statistical research.

Journal of Applied Business and Economics publication on FINTEL's Credit Evaluation Methodology (2004)

This academic publication describes the methodology developed by FINTEL for loan repayment prediction, the empirical testing of its validity and performance comparison to other leading techniques used by commercial lenders.