Commercial Lending Report
CLR
Showing 1–16 of 345 results
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5 tips to help borrowers survive a labor shortage
Year End 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 376
Abstract: In a tight labor market, businesses may have a hard time finding qualified workers and their existing employees may demand wage or salary adjustments or bonuses. When market conditions are unfavorable, borrowers may turn to their lenders for advice. This article lists five suggestions lenders can offer to help borrowers adjust to labor shortages and cope with employee attrition.
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After the deluge – Help businesses get back on their feet after a disaster
Year End 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 693
Abstract: When lenders are faced with businesses that need funds immediately to help rebuild after a hurricane, fire, flood or other disaster, they need to make wise and well-founded decisions about whether to approve those loans. This article suggests some basic steps lenders can take to avoid long-term problems for their portfolios.
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Learn the ins and outs of GAAP vs. tax-basis accounting
Year End 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 576
Abstract: Lenders need to understand the different accounting standards businesses may use in compiling their financial statements to ensure their borrower analyses are accurate. This article explains the differences between using Generally Accepted Accounting Principles (GAAP) and using a tax-basis reporting framework. The article notes that tax-basis reporting may be appropriate if a business is owned, operated and financed by individuals closely involved in day-to-day operations who understand its financial position.
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How to support a brick-and-mortar business as it launches online
Year End 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 867
Abstract: Today, companies continue to embrace e-commerce as an extension of their usual business operations, as a means of insurance in case of additional lockdowns and, in some cases, to completely replace their physical locations. This article points out that in assessing the financial health of borrowers as they establish or grow an online presence, lenders must be aware of the keys to a successful virtual business model. A sidebar suggests some questions lenders should ask borrowers attempting to expand their businesses online.
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Lending to older entrepreneurs can be profitable
October / November 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 436
Abstract: Older and experienced entrepreneurs have handled far more personal and professional challenges than younger entrepreneurs, and may have more tried-and-tested tools at their disposal to address the inevitable challenges of starting and managing a new business. This article looks at the advantages of lending to entrepreneurs in their 40s, 50s and 60s.
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Use a loan-pricing model for a win-win
October / November 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 571
Abstract: In the current volatile economy, due diligence is critical. Lenders can’t afford to neglect important factors like cost, risk and desired return. This article explains that a loan-pricing model can help ensure analyses are well-founded and objective. The article notes that risk-based pricing can enable lenders to vary interest rates according to borrowers’ risk levels.
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What’s the plan? In an uncertain economy, a business plan is key
October / November 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 649
Abstract: Given the recent experience of the COVID-19 pandemic, businesses clearly need to have some backup strategies in place. Obviously, it’s hard to plan for all possible contingencies. However, lenders need to be vigilant when evaluating potential commercial borrowers. This article suggests some factors lenders should consider as they assess potential borrowers’ business plans.
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One and done: Funding a business with one large customer
October / November 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 899
Abstract: When lending to a small company that earns the lion’s share of its revenue from a single source, the primary concern is how to assess the likelihood that the borrower will retain that “key” customer. This article offers several questions lenders can ask to help evaluate a loan application from a business that earns much, if not all, of its revenue from one large customer. A sidebar suggests some questions to ask supply chain partners and end users.
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4 ways to support funding the hybrid workplace
August / September 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 440
Abstract: Businesses continue to embrace hybrid working practices that allow employees to work from home part-time — or full-time. While some businesses expect employees to incur the setup costs for their work-from-home (WFH) environment, others pay a stipend, reimburse employees or foot the entire bill up front. Some companies may turn to their banks to help fund WFH expenses. This article highlights four steps a borrower will need to take to ensure such a loan will be viable.
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Growth isn’t always good – Potential downsides of out-of-control growth
August / September 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 674
Abstract: As the economy begins to recover from the difficult economic circumstances created by the COVID-19 pandemic, it’s tempting to assume that for businesses, all growth is good. But this isn’t necessarily the case. In fact, if borrowers are growing by leaps and bounds, lenders might want to look into that rapid growth further to make sure it’s based on a sustainable business model.
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Stay on top of collateral value
August / September 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 643
Abstract: Lenders need to stay on top of the value of assets their borrowers pledge as collateral. This article explains that because asset values rise and fall depending on many factors and the required standard of value also may differ according to the circumstances, periodic formal asset appraisals are a good idea.
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Lending to a business on the wrong side of the COVID-19 economy
August / September 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 807
Abstract: As the economy has reopened, some businesses that prospered during the lockdown have experienced a significant decrease in revenue through no fault of their own. To continue operating as going concerns, some of these businesses might need access to debt to redouble their efforts to capitalize on the market created by COVID-19 — or to reinvent the business in the face of declining revenues. This article offers some questions lenders should ask these borrowers to mitigate the risk of lending to them beyond the end of the pandemic.
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Assess the risk – Lending to small businesses with overseas government customers
June / July 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 437
Abstract: Governments around the globe often buy goods and services from large businesses. But small- and medium-sized (SME) businesses earn a share of those expenditures as well. Is an SME that has foreign governments as customers a solid credit risk? This article suggests ways to evaluate the benefits and drawbacks of lending to businesses that conduct business overseas with foreign governments.
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Crooked schemes – Watch out for real estate fraud
June / July 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 727
Abstract: In a volatile and uncertain economy, unscrupulous real estate investors and other real estate-related borrowers might seek opportunities to fraudulently benefit from real estate transactions and loans. Lenders need to be on guard against any possible attempts to defraud them or their institutions. This article lists six real estate fraud schemes that lenders should know about as well as some red flags associated with fraudulent loan applications.
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Helping succession plans succeed
June / July 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 725
Abstract: When ownership of a family business changes, the business may struggle under the new owners until they find their footing. This article explains that a lender needs to evaluate the situation to determine whether the company has the capacity to remain financially healthy and keep the loan solvent. It notes that family business borrowers should have well-developed succession plans and other strategies to help prepare their businesses for any eventuality.
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When demand exceeds supply: What’s the lender’s role?
June / July 2021
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 836
Abstract: When demand exceeds supply, trying to meet that demand can put a business under tremendous strain. This article explains when it might make sense to lend to a company with a significant backlog of orders that it currently lacks the capacity to fulfill. It offers tips to help a lender evaluate pent-up product or service demand and how it relates to a company’s creditworthiness. A sidebar highlights four warning signs that may indicate expansion to meet demand isn’t in a company’s best interests.