Commercial Lending Report

CLR

Showing 1–16 of 321 results

  • Real estate as a “side gig” – Learn the ins and outs of lending to a novice real estate investor

    Year End 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 419

    Abstract: With real estate prices approaching all-time highs in some areas, novice investors continue to enter the market. Lenders need to determine what’s driving these persons or groups to purchase real estate and what they hope to achieve. This article offers some guidance to help lenders evaluate novice real estate investors. It notes that lenders should scrutinize novice investors’ intentions, experience and education to identify those with the potential to excel in this challenging field.

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  • A closer look at the percentage-of-completion method

    Year End 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 641

    Abstract: Clearly, lenders need ways to determine whether their borrowers are maintaining profitability. One way is to learn about the accounting methods they use, including how subjective their assumptions are when reporting their financial statements. Businesses that engage in long-term contracts frequently use the percentage-of-completion method to record contracts and revenues. This article looks at the ins and outs of this method, including what kinds of businesses typically use it and how it works.

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  • Where there’s smoke, there’s fire – Watch for the warning signs of fraud

    Year End 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 696

    Abstract: As a result of the dramatic economic downturn caused by the COVID-19 pandemic, many businesses have been struggling to maintain profit margins, and many of their employees are under severe stress. In this confusing and difficult environment, the temptation to commit fraud may be harder to resist. This article points out that it’s imperative that lenders be aware of the potential threat to their borrowers’ bottom lines — possibly from people inside the company — and take proactive action to ensure strong financial oversight and due diligence.

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  • Lending to retrofit a business in response to COVID-19

    Year End 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 888

    Abstract: To mitigate the risks associated with COVID-19, many businesses are taking steps to modify their facilities, so lenders need to understand how to evaluate loan requests for retrofitting projects. This article suggests several questions to ask prospective borrowers, such as what’s driving the need for investment and whether customers will notice the improvements, which will help lenders make more-informed lending decisions. A sidebar addresses how to evaluate a borrower’s previous construction management experience.

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  • Can you lend to a convicted felon? Understanding the ins and outs

    October / November 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 437

    Abstract: Not every loan applicant comes to a lender with a pristine background. Some prospective borrowers may have a criminal record. This article looks at the ins and outs of evaluating a loan application from a convicted felon. It offers several steps to take, such as including legal counsel in any meeting with the prospective borrower to ensure the process is fair, and reviewing the institution’s lending policies and procedures for guidance.

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  • Suggest contract compliance reviews to help borrowers

    October / November 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 574

    Abstract: Companies are scrambling for any advantage that will help combat the current economic downturn. Monitoring contract compliance can help businesses create more liquidity at a crucial moment in their operations. This article points out that helping borrowers understand the importance of contract compliance reviews in possibly saving costs and generating cash flow will be beneficial to borrowers — and to lenders’ loan portfolios.

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  • How to uncover hidden liabilities in financial statements

    October / November 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 553

    Abstract: When applying for loans, borrowers may try to appear more attractive to lenders by failing to disclose unfavorable financial information. But lenders have the responsibility to look further than financial statements to ensure they have everything they need to make a sound lending decision. This article explains how lenders can search for undisclosed liabilities and risks. It notes the importance of working with an accounting professional and the borrower’s management team to find and resolve any issues before the risks of a loan outweigh the rewards.

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  • Lending to restaurants after COVID-19

    October / November 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 820

    Abstract: Restaurants have been struggling to maintain business and attract customers during the COVID-19 pandemic. This article offers some factors to consider that can help assess the ongoing financial impact of the pandemic and whether lending to a restaurant is prudent in today’s uncertain conditions. Lenders need to look at a restaurant’s current financial performance, business strategies and compliance with government guidance, among other considerations. A sidebar suggests five questions lenders might want to ask prospective restaurant borrowers before meeting with their loan committees.

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  • Evaluate your borrowers in the aftermath of a cyberattack

    August / September 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 401

    Abstract: When lending to a business that has just suffered a cyberattack, a lender needs to evaluate the extent of the attack, how the borrower responded and the implications for the business’s long-term health. This article lists some ways a lender can get a sense of the scope and severity of an attack. It also points out that lenders need to ensure they are lending to businesses with the appropriate security in place to prevent and detect subsequent attacks.

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  • Code red! Recognize the symptoms of financial distress

    August / September 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 656

    Abstract: Many businesses are still reeling from the economic downturn triggered by the COVID-19 pandemic. Lenders need to distinguish those businesses whose financial troubles are temporary from those whose operations signal insolvency or other serious problems. This article offers a refresher on the typical warning signs of a borrower’s financial distress, including problems with working capital, credit lines and collateral values.

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  • What are the best analytic tools in a down economy?

    August / September 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 641

    Abstract: In an uncertain economy, lenders need to use all possible methods available to help analyze and evaluate potential and current borrowers’ financial health going forward. This article highlights two useful approaches to add to the mix: breakeven analysis and burn rate. These techniques can help lenders determine how stable and likely to prosper their borrowers are.

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  • Turning on a dime – How to evaluate borrowers pivoting due to COVID-19

    August / September 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 845

    Abstract: As a result of the COVID-19 pandemic and the ensuing relief legislation, including the Coronavirus Aid, Relief, and Economic Security (CARES) Act, many businesses have pivoted to reposition themselves and take advantage of new opportunities and directions to pursue. This article notes that lenders will have to pivot as well and offers suggestions on how they can evaluate borrowers’ pivot strategies to ensure that loans to these borrowers remain profitable. A sidebar suggests some ways lenders can help their borrowers rebuild financial strength.

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  • 7 ways to improve business credit ratings

    June / July 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 419

    Abstract: While businesses continue to struggle with the ramifications of coronavirus (COVID-19), banks continue to receive applications for traditional loans. Some may meet lending criteria, but others may fall short due to the impact of the pandemic. This article offers seven simple steps loan applicants can take to meet an institution’s credit standards.

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  • Know the warning signs – Monitoring accounts receivable can minimize default risk

    June / July 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 656

    Abstract: Accounts receivable represent the amount of money that customers owe a borrower for purchases. If a borrower pledges accounts receivable as collateral to qualify for a loan or line of credit, the lender typically claims them to cover losses if the borrower defaults on repaying its debts. But poorly maintained or fraudulent balances hobble lenders’ ability to recover losses. This article discusses the importance of monitoring borrowers’ accounts receivable to ensure they’re legitimate and collectible.

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  • How to help borrowers build long-term value

    June / July 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 602

    Abstract: Bringing fresh ideas and concepts to the market is how entrepreneurs succeed. But sustaining that success over time requires a different mindset. This article offers some ways to help borrowers transition to long-term sustainability and growth, such as creating business plans and developing marketing and branding strategies.

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  • Should you lend to a business with a track record of lawsuits?

    June / July 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 821

    Abstract: Businesses may be subject to lawsuits for a multitude of reasons. While a lawsuit doesn’t, in and of itself, mean that the business or its leadership engaged in wrongdoing, it could affect the degree of inherent risk associated with any lending arrangements. This article suggests four steps lenders can take to evaluate the risk associated with pending lawsuits. The steps can help determine whether it makes sense to proceed with a prospective borrower’s application. A short sidebar discusses questions to ask about current and previous litigation to help understand the legal risk a prospective borrower faces.

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