CLR

Showing 289–304 of 325 results

  • Ratios: The highs and lows of benchmarking for business

    March / April 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 864

    Abstract: Financial statements contain a wealth of raw data, but busy lenders rarely have time to pore over the details. Ratios concisely capture relationships between financial statement items that you can use to benchmark operating results over time — or against competitors. But like any due diligence tool, ratios only tell part of the story.

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  • When to pull the plug — or not

    March / April 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 764

    Abstract: What should you do when a borrower misses a payment, defaults on loan covenants or fails to hit its performance targets? Some borrowers will surprise you and pull out of a troubled patch. But others will bleed to death if you let them. Being aware of certain characteristics can help you differentiate between these extremes.

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  • Market Niche Insider – The good, the bad and the hungry

    January / February 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 467

    Abstract: With money spent by diners in restaurants on the rise for the past 17 years, loans to restaurateurs can be good business. But not everything is sweet breads and cupcakes; values have fallen dramatically to their lowest levels in four years.

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  • Computers: Nurturer and Nemesis of Fraud

    January / February 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 473

    Abstract: Businesses that incorporate IT tools into internal controls identify fraud faster and more regularly than those that go it alone, giving lenders and other stakeholders added peace of mind — about the security of their assets and the accuracy of financial reports.

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  • GAAP’S last stand – IFRS is no rumor — welcome to the next phase of financial reporting

    January / February 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 792

    Abstract: Nearly 100 countries — including all of Europe, Canada and Australia — have replaced their domicile-specific accounting rules in favor of International Financial Reporting Standards (IFRS). Soon it may be our turn to jump on the bandwagon.

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  • Cautious spending – Are your borrowers in the survival mode?

    January / February 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 332

    Abstract: As businesses continue to face economic uncertainty, rising costs and tighter credit standards, many are revisiting their capital spending budgets and prioritizing purchases to weather the storm. This article discusses cost-saving alternatives borrowers should consider before they’re approved for a new loan or a credit-line increase.

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  • Workouts shape up ailing borrowers

    January / February 2009
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 684

    Abstract: Many market analysts expect the ongoing economic downturn to persist throughout 2009 — without relief in sight, weak borrowers may succumb to default. Protect your portfolio by proactively identifying unfit borrowers and coaching them to get on the road to financial health.

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  • Market Niche Insider – The retail wrap-up

    November / December 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 444

    Abstract: With a troubled economy that includes higher energy and food costs, consumers have less disposable income — so they’re more practical, selective and cost conscious. Among those retailers hardest hit to date have been auto dealers, furniture retailers and home improvement stores. This article looks at some of the hottest retail trends.

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  • Fight fraud like a pro

    November / December 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 531

    Abstract: Statement on Auditing Standards No. 99, Consideration of Fraud in a Financial Statement Audit (SAS 99), requires auditors to brainstorm about potential fraud risks before and during the information-gathering process. Lenders may find it helpful — especially when evaluating borrowers with unaudited annual reports — to understand how auditors assess fraud risks.

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  • Unspent gift cards: Up for grabs

    November / December 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 453

    Abstract: Roughly $97 billion was spent on gift cards last year. Retailers and their lenders need to understand the perhaps unexpected effects that gift cards have on a retailer’s financial statements. For starters, gift-card revenue doesn’t show up on the income statement until it’s been spent.

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  • Riding the waves of working capital

    November / December 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 713

    Abstract: Lenders who diligently track working capital trends and understand the pros and cons of liquidity make more informed lending decisions. And if you understand how factors such as standing inventory affect working capital, you’ll be less likely to jump to a faulty conclusion about a borrower’s financial standing.

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  • Where did the CFO go? How companies can ensure a smooth transition

    November / December 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 1010

    Abstract: When one of your borrowers loses its CFO, the right hand of most business owners and CEOs, both financial information flow and business operations often suffer. Losing a CFO equates with uncertainty. To avoid a knockout, the borrower needs a transition plan so it can quickly get back in the ring.

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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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