CLR

Showing 17–32 of 325 results

  • 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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  • License vs. franchise: What’s the difference?

    April / May 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 395

    Abstract: Some businesses choose to license, rather than franchise, their products or services. Although licensing generally requires less cash to support and maintain than franchising, a licensor may still need access to some capital to support future business aspirations. This article explains that, while a license agreement may be a borrower’s best option, each situation needs to be assessed on a case-by-case basis. It also notes that, before lending to a licensor, the lender should review the current licensing agreements.

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  • A dashboard report sheds light on a loan’s viability

    April / May 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 552

    Abstract: Sorting through a collection of complex and disparate financial data to discern what’s most pertinent to a loan portfolio is both an art and a science. A periodic dashboard report can shed light on potential trouble spots — before it’s too late. This article explains how dashboard reports provide timely, relevant input that can help lenders evaluate the financial status of a borrower, especially if they have specific concerns about the company’s viability.

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  • Think long-term – Relationships are key to retaining borrowers

    April / May 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 573

    Abstract: Online banking is trending and becoming a watchword. Traditional bankers or lenders might be scrambling to catch up and implement the latest technology. But while technology is important, good, old-fashioned relationship building is often the most effective approach to retaining borrowers over time. This article discusses ways lenders can build those relationships, including staying alert for refinancing options or more borrowing opportunities — and keeping in touch with borrowers regularly.

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  • The pros and cons of lending to a dying business sector

    April / May 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 825

    Abstract: A business in a dying industry sector doesn’t fail overnight — it might take years to reach the point where it can no longer operate as a going concern. In the meantime, it likely will need access to debt capital. This article discusses when it might make sense to lend to a business in a dying sector, and how lenders can maximize loan profitability while mitigating the risk. A sidebar lists some of the signs that a mature business sector faces a questionable future.

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  • Proactive lenders ask borrowers about cash flow practices

    February / March 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 413

    Abstract: Cash flow is the lifeblood of a small business. This article suggests some questions to ask when evaluating a prospective borrower’s cash flow management, such as whether customers are paying on time and whether the borrower is taking advantage of its credit terms. The article notes that cash flow statements can help lenders understand the overall health of their borrowers’ businesses — particularly whether the borrowers are able to generate and hold cash.

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  • What should you do when your borrower becomes ill?

    February / March 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 612

    Abstract: Dealing with a borrower who has become ill or injured creates unique challenges for a lending relationship. Creating trust and ensuring good communication will become even more important if the borrower is a sole owner who, through some unforeseen event, such as illness, becomes unable to meet the payment terms of a loan. This article offers some strategies for lenders when a loan becomes endangered by borrower illness, including keeping communication channels open and suggesting a temporary surrogate to take over until the borrower is able to reassume management of the company.

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  • Don’t lose the online fight: Build a winning strategy

    February / March 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 689

    Abstract: Online lenders offer potential borrowers speed, efficiency and convenience. To compete, traditional lenders need to up their digital game, while continuing to emphasize the benefits only they can provide. This article provides some tips on how lenders can build a successful strategy, including deepening and nurturing personal relationships with borrowers and taking steps to streamline the lending process. It points out that lenders need to adapt to the changing lending market to ensure they remain competitive.

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  • Weathering the storm – How to help borrowers survive a downturn

    February / March 2020
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 813

    Abstract: No one can predict with certainty when a recession will happen. By the time it does, it’s often too late for lenders to adopt a proactive approach to help the business weather the storm. This article shows how lenders can help borrowers survive and maintain profitability over the long term regardless of the vagaries of the economy. Conserving cash, maintaining customer connections and improving employee support are just a few of the strategies lenders can suggest to borrowers. A sidebar offers six questions lenders can ask to gauge a borrower’s management experience during an economic downturn.

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  • The best-laid plans – Helping borrowers prepare for the worst-case scenario

    Year End 2019
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 446

    Abstract: When the owner of a small business dies or becomes disabled, the business’s lending institution may decide to foreclose, which may be the most appropriate choice — especially if the owner was the only employee. But for a small business with more than one employee, there may be other options. This article lists some questions that can help a borrower prepare for this eventuality and ensure the best outcome for both the business and the lender.

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  • Can the cash conversion cycle help determine liquidity?

    Year End 2019
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 609

    Abstract: A key factor when assessing whether a borrower will be able to make timely repayments of a loan is liquidity. There are several metrics lenders can use in this analysis, including the current or quick ratio. But this article focuses on the cash conversion cycle (CCC) metric. Using several hypothetical examples, it defines the CCC and explains how it works. The article points out that the CCC, as well as other liquidity metrics, can help lenders stay up to speed on ways to assess the risks — and rewards — their borrowers present.

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  • Put benchmarking in your borrowers’ toolbox

    Year End 2019
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 638

    Abstract: Benchmarking is a powerful analytical tool that compares a company’s performance with industry norms and best practices. By advocating for regular benchmarking studies, lenders can help borrowers gain a competitive advantage and remedy shortcomings. This article offers some hypothetical examples to illustrate how benchmarking can be useful to business owners and notes the importance of seeking data sorted by industry, size and geographic location, if possible.

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  • 7 ways to avoid lending to an ineffective business owner

    Year End 2019
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 808

    Abstract: It’s important for a lender to be able to determine, before funding a loan, whether a prospective borrower’s presentation matches reality. This article suggests some steps lenders can take to determine whether business owners are likely to be successful, including evaluating their business history, examining trends in career history and ascertaining what strategies they use to stay up to date on the latest market developments. A sidebar offers questions that will help lenders obtain pertinent information about the viability of a borrower’s business going forward.

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