Commercial Lending Report
Showing 321–336 of 345 results
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Dealerships are down, but not out
September / October 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 487
Abstract: The National Automobile Dealers Association (NADA) 2008 NADA Data report reveals that dealerships sold 16.1 million new cars and light trucks in 2007, down 2.5% from the previous year. NADA expects new vehicle unit sales to decline about 3% in 2008. The good news is that more lucrative profit centers — such as used vehicles, parts and services — are making up the difference.
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Every business needs a plan
September / October 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 504
Abstract: What is a manufacturer’s breakeven point? How many employees must a service firm hire — or lay off — next year? How long before a startup will turn a profit? Business plans help borrowers answer these tough questions and others. They also show lenders that management operates with forethought and efficiency, rather than by the seat of its pants.
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Financial statement footnotes – Why you should read between the lines
September / October 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 457
Abstract: Financial statement numbers provide lenders with limited information. But footnote disclosures can offer valuable details about account balances, accounting practices and future events that may affect performance. They can also provide fraud red flags if a company’s management is cooking the books.
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Minimizing growing pains – Expansion strategies essential for borrowers
September / October 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 936
Abstract: In the midst of the excitement of internal expansion or external acquisition, lenders can serve as the voice of reason by 1) requiring borrowers to provide financial statement projections and other analyses, and 2) reviewing expansion plans skeptically — asking key questions — before approving an expansion or acquisition loan.
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Avoid off-the-cuff offshoring
September / October 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 733
Abstract: Offshoring is big and getting bigger. More than one-third of companies outsource at least one aspect of their business operations to offshore locations, according to a 2008 survey. But before your borrowers jump headfirst into offshore manufacturing, consulting or purchasing contracts, they should look beyond cost per unit and weigh qualitative issues.
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Who’s afraid of the Big Bad (Housing) Slump?
July / August 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 477
Abstract: Anyone who lends to homebuilders knows that residential construction is a cyclical industry. But after years of record profits and double-digit value increases, news of a prolonged housing slump is a hard pill to swallow. So, what’s a builder to do? Many have responded by starting fewer new houses, slashing prices and offering financial incentives, such as free upgrades, seller financing and even new cars at closing. But these solutions — which cannibalize profits — are just a starting point for borrowers hoping to stave off financial crisis.
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An inconvenient truth about inventory
July / August 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 517
Abstract: Inventory has long been a favorite target among fraudsters. The Great Salad Oil Swindle of 1963, for example, forced 16 investors and lenders — including a finance subsidiary of American Express and two Wall Street brokerage firms — into bankruptcy. Here is how you can learn from history.
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Receiverships offer an “out-of-the-box” solution for troubled firms
July / August 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 378
Abstract: When borrowers experience financial distress, bankruptcy and out-of-court settlements are popular ways for creditors to protect their financial interests. A lesser-known alternative worth considering is a court-ordered receivership, in which the court appoints a receiver to preserve, recover or distribute assets for the benefit of the distressed company’s creditors and stakeholders.
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Look beyond profits – Asset management is key
July / August 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 616
Abstract: Businesses encounter financial problems every day. It’s a lender’s job to read the writing on the wall before customers’ problems become their own. This article discusses how bankruptcy, bad debt writeoffs, layoffs and other woes all have one thing in common: inefficient asset management. (Updated 9/27/12)
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When the going gets tough – What an economic downturn May Mean For Your Borrowers
July / August 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 957
Abstract: Amid conflicting economic indicators and wide-ranging prognostications, it’s hard to predict where the economy is headed. But a survey of CFOs reveals that optimism in the U.S. economy has reached its lowest point in six years. And 40% of CFOs predict a recession in 2008. Learn how you can prepare your customers.
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The price of beauty – Spas, salons can be attractive lending opportunities
May / June 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 530
Abstract: The beauty industry is propelled by the mainstream popularity of treatments once considered luxury services. The leisure time, medical needs and discretionary cash of retiring baby boomers further feed the industry’s growth. You can get a cut of the action by lending to salons and day spas. But be sure you understand the particular risks of these types of businesses first.
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Accounting for uncertainty
May / June 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 579
Abstract: The rules of the game have changed again. Financial Accounting Standards Board Interpretation No. 48, Accounting for Uncertainty in Income Taxes (FIN 48), requires all companies that follow GAAP to identify, measure and disclose uncertain income tax positions using a “more-likely-than-not” (MLTN) threshold. Here’s what you need to know to gear up for the new standard.
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Confirmation letters provide extra assurance
May / June 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 383
Abstract: Sending confirmation letters to third parties is an effective way to verify borrowers’ financial statement balances, as well as unusual contractual terms and transactions. An updated AICPA bulletin can help lenders understand how and when to use confirmation letters to minimize default risk. (Updated 9/27/12)
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Rethink risk management — one borrower at a time
May / June 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 650
Abstract: All of your customers face risks and opportunities. Many private companies mistakenly forgo formal risk management, arguing that it’s too expensive and time-consuming. Help your borrowers recognize the benefits of enterprise risk management (ERM).
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Distributions or salary? S Corps Must Think Twice Before Classifying Payments
May / June 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 847
Abstract: The IRS is cracking down on S corporations that misclassify payments to shareholder-employees as distributions — rather than salary expense. You can help your borrowers avert costly, time-consuming audits, as well as unexpected tax liabilities, penalties and interest charges, by explaining the risks of misclassified payments.
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Reasons to lend to plastics manufacturers
March / April 2008
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 438
Abstract: In the wake of the layoffs, equipment write-offs, liquidations and consolidations earlier this decade, domestic plastics manufacturing may seem lackluster. But opportunities await lenders who select plastics prospects wisely.