CLR
Showing 305–320 of 345 results
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Rethinking debt – A shake-up in the credit markets
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 472
Abstract: The corporate finance world is in a state of flux: Banks continue to rein in debt and put borrowers on shorter leashes. Borrowers also are rethinking their capital structures and lending decisions. For now, conservatism is the name of the game.
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Make your borrowers’ concerns your own
May / June 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 831
Abstract: Lenders who understand their borrowers’ financial expectations have a clear edge. Your borrowers’ greatest concerns can tell you what to watch for in terms of high-risk behaviors and management quality: Good borrowers take charge of impending threats.
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Market Niche Insider – Diagnostics for doctors – Physician practices can be lucrative, but risky
March / April 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 483
Abstract: Baby boomers are wealthier, more health conscious and living longer than previous generations, and younger generations routinely seek preventive care. The demand for medical services, then, is rising. But several factors threaten this prestigious niche — and compromise the abilities of your physician borrowers to repay debt.
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For better or worse, fair value reporting is here to stay
March / April 2009
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 645
Abstract: The concept of fair value reporting has been around for decades. But it has risen to the forefront because some fair value–related accounting standards have recently taken effect. Simultaneously, a weak economy has impaired the value of many assets, triggering some borrowers to report impairment losses on their financial statements.
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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.