Commercial Lending Report
Showing 97–112 of 345 results
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5 tips for developing banking relationships with CFOs
Year End 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 444
Abstract: CFOs are often the decision makers when it comes to picking lenders, accountants and other financial service providers. It’s important for lenders to stand out from the crowd and build connections with CFOs. This brief article offers five tips to help lenders connect with leaders in finance. It notes that CFOs who benefit from their connections with a lender likely will want to do business with the lender’s bank in the future.
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Game, set, match: How to assess a business’s game plan
Year End 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 578
Abstract: When assessing the short- and long-term viability of commercial borrowers, lenders have many tools at their disposal, including business plans. A business plan provides essential information on how management expects the company to grow — and what strategies it expects to use to achieve its goals. This article provides some important questions to consider when examining borrowers’ business plans.
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Tip of the iceberg – Uncovering hidden liabilities
Year End 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 618
Abstract: A borrower’s financial statements may look good, but they might not provide a full picture of the business’s financial health. It’s important for lenders to be aware that what’s undisclosed could be just as significant as the disclosures. This article highlights the need for lenders to be alert for misrepresentations or the failure to fully account for both assets and liabilities on the balance sheet, whether they’re merely unrecorded or deliberately hidden.
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Lending to veterans
Year End 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 826
Abstract: Veteran-owned businesses can be a lucrative market niche for lenders who take the time to understand the owners’ specific military experience and needs. This article looks at some ways lenders can foster lending relationships within the veteran business community, including developing targeted marketing materials, networking with veteran business and franchise owners and sponsoring veteran family events. A sidebar looks at how the Small Business Administration supports veteran-owned businesses.
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Lending to Millennial business owners
October / November 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 375
Abstract: This article provides a snapshot of the Millennial generation — and the corresponding opportunities for lenders. It looks at such characteristics as this generation’s market size, technology use and personal debt levels and the implications for lenders. The article notes that, by establishing a financial relationship with Millennials today, lenders can reap long-term benefits.
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Is bigger better? Helping borrowers evaluate the pros and cons of a roll-up
October / November 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 679
Abstract: Management is constantly maneuvering and shifting to stabilize their business and find the best position in the market. One maneuver potentially available to a company is to purchase, or merge with, one or more similar businesses in the same industry — thus decreasing operating inefficiencies and increasing economies of scale. These roll-ups can be beneficial to everyone involved — including lenders. But they’re not without drawbacks. This article looks at the benefits and drawbacks of roll-ups, showing how lenders can help companies determine whether they’ll gain advantages from a roll-up, or take on further problems.
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How to better evaluate borrower performance – Understand the percentage of completion method
October / November 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 624
Abstract: Gaining an understanding of the specific accounting methods borrowers use can help lenders better evaluate their borrowers’ financial status and whether they’re generating sufficient revenues over time. This article discusses one such method: percentage of completion. The article provides a brief example to illustrate how the percentage of completion method works in the context of industries that enter into long-term contracts, such as homebuilders, commercial developers, architects, creative agencies and engineering firms.
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Be aware of real estate fraud schemes
October / November 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 865
Abstract: Fraudulent appraisals, corrupt mortgage brokers and straw buyers all play a role in real estate fraud. Lenders need to be on their toes to prevent bad real estate loans. This article offers an overview of the types of schemes that crooked borrowers might use to defraud financial institutions, including document forgery, inflated appraisals, equity skimming and flipping. A sidebar notes some warning signs associated with fraudulent loan applications.
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Small business corruption: Know the warning signs
August / September 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 474
Abstract: In 2016, the Association of Certified Fraud Examiners reported that it takes 18 months for companies to uncover fraud schemes — and corruption in particular (for example, conflicts of interest or bribery) produces a median loss of $200,000. Left undetected, corruption has the potential to threaten a company’s ability to continue as a going concern. This article lists some warning signs lenders need to be aware of to help borrowers prevent corruption and fraud.
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Great ideas aren’t enough – Help borrowers grow with big business strategies
August / September 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 670
Abstract: A small business based on a great concept still needs a long-term strategic plan to succeed. Lenders can increase the stability of their lending portfolios and improve their long-term lending relationships by guiding borrowers toward more disciplined, professional business practices. This article discusses some best practices small businesses can learn from big business, including techniques for building value and ways to generate formal plans.
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Financial metrics at your fingertips – Using dashboard reports to keep your loans on track
August / September 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 564
Abstract: When a company is floundering or in between reporting periods, it’s helpful for lenders to have access to a quick report that simplifies financial information into an easy-to-read summary. This article explains that a dashboard report provides the essentials to help lenders take the necessary steps to shore up or salvage a loan. In addition to describing what information dashboard reports typically contain, the article notes that nothing can replace yearly full and comprehensive financial statements from borrowers.
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How to compete with alternative online lenders
August / September 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 854
Abstract: Technology and willingness to use innovative techniques in the underwriting process have allowed online lenders to grab a small but growing percentage of the market for loans to small and medium-size entities (SMEs). Yet traditional banks have several advantages over online lenders. This article offers some guidance to help traditional lenders compete in a virtual marketplace, suggesting that lenders should, among other things, use data to develop predictive models and consider digitizing their application process. A sidebar lists some reasons borrowers are attracted to online lenders.
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4 key areas to review when assessing ability to compete
June / July 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 425
Abstract: There are several factors a lender should consider in assessing whether a small business is likely to meet its loan obligations. These include the competitive environment and the business’s tangible and intangible resources. This brief article explains the need for lenders to go beyond financial statement analysis to gain a realistic picture of a company’s ability to compete.
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Protect your portfolio with these retention strategies
June / July 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 593
Abstract: To maintain a stable portfolio over time, lenders need to strengthen existing borrower relationships. This article discusses some key strategies lenders can use to retain current borrowers, such as suggesting refinancing or add-on options, regularly calling borrowers to address any concerns they may have about their loans and becoming a referral source for value-added services.
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Can you help borrowers turn receivables into cash faster?
June / July 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 640
Abstract: To decrease the possibility of bad debt write-offs, lenders should educate their borrowers about some basic actions they can take to improve their collections. This article lists some helpful questions lenders can ask to point their borrowers in the right direction. These include whether their billing process is sound and whether they have a clear payment schedule. Providing support now will both ensure loans are more secure and cement lender relationships with borrowers.
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Trying times – Keeping a loan afloat when a borrower becomes seriously injured or ill
June / July 2017
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 872
Abstract: For a business highly dependent on its owner for day-to-day management and overall viability, owner injury or illness can threaten the business’s ability to function — and to make good on its loan. A lender has an important role to play in such a situation. This article explains that the lender’s actions can make all the difference in whether the owner is able to work through the challenges created by injury or illness. It also notes how the lender can help the owner face such problems squarely, so that a mutually beneficial solution is more likely. A sidebar suggests several questions to ask to help determine the impact of the owner’s ailment on the business.