CLR

Showing 81–96 of 333 results

  • Seize the opportunity – Lending to e-commerce companies

    February / March 2018
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 405

    Abstract: E-commerce companies that need capital for working capital and fixed asset purchases have historically turned to alternative online lenders. But online nontraditional lenders can saddle these companies with onerous terms and high interest rates. This article notes that, before adding e-commerce borrowers to their loan portfolios, traditional lenders need to recognize how their business models differ and adjust their underwriting processes accordingly.

    Read More

  • Due diligence matters

    February / March 2018
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 582

    Abstract: Thorough due diligence requires looking closely and deeply at all aspects of a company’s operations, from applicable economic and industry conditions to sources of collateral and business operations — and beyond. This article explains that strategies such as researching industry risks and devising a risk scorecard for each borrower can help lenders accurately evaluate borrowers’ financial status and minimize the risks of delayed payments and default.

    Read More

  • Don’t take receivables at face value

    February / March 2018
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 633

    Abstract: Borrowers often use accounts receivable as collateral for their loans. But it’s important to ensure that a borrower’s receivables are truly collectible amounts. This article suggests some warning signs that may indicate accounts receivable weaknesses — or even fraud. It points out that it’s a good idea for a lender to engage a professional with accounting expertise to support due diligence by performing financial statement audits and other procedures to verify the numbers.

    Read More

  • Mastermind groups: A lender’s secret weapon

    February / March 2018
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 854

    Abstract: A small business “mastermind group” brings together lenders, CPAs, entrepreneurs and executives from a variety of industries and companies in a supportive environment that encourages openly sharing information and best practices to promote accountability and business growth. This article offers some tips for creating a successful group, including establishing ground rules, using social media to connect the group and documenting lessons learned. The article suggests that a well-run mastermind group could prove valuable in developing long-term, mutually beneficial banking relationships. A sidebar offers six questions to help generate an active discussion.

    Read More

  • 5 tips for developing banking relationships with CFOs

    Year End 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 444

    Abstract: CFOs are often the decision makers when it comes to picking lenders, accountants and other financial service providers. It’s important for lenders to stand out from the crowd and build connections with CFOs. This brief article offers five tips to help lenders connect with leaders in finance. It notes that CFOs who benefit from their connections with a lender likely will want to do business with the lender’s bank in the future.

    Read More

  • Game, set, match: How to assess a business’s game plan

    Year End 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 578

    Abstract: When assessing the short- and long-term viability of commercial borrowers, lenders have many tools at their disposal, including business plans. A business plan provides essential information on how management expects the company to grow — and what strategies it expects to use to achieve its goals. This article provides some important questions to consider when examining borrowers’ business plans.

    Read More

  • Tip of the iceberg – Uncovering hidden liabilities

    Year End 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 618

    Abstract: A borrower’s financial statements may look good, but they might not provide a full picture of the business’s financial health. It’s important for lenders to be aware that what’s undisclosed could be just as significant as the disclosures. This article highlights the need for lenders to be alert for misrepresentations or the failure to fully account for both assets and liabilities on the balance sheet, whether they’re merely unrecorded or deliberately hidden.

    Read More

  • Lending to veterans

    Year End 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 826

    Abstract: Veteran-owned businesses can be a lucrative market niche for lenders who take the time to understand the owners’ specific military experience and needs. This article looks at some ways lenders can foster lending relationships within the veteran business community, including developing targeted marketing materials, networking with veteran business and franchise owners and sponsoring veteran family events. A sidebar looks at how the Small Business Administration supports veteran-owned businesses.

    Read More

  • Lending to Millennial business owners

    October / November 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 375

    Abstract: This article provides a snapshot of the Millennial generation — and the corresponding opportunities for lenders. It looks at such characteristics as this generation’s market size, technology use and personal debt levels and the implications for lenders. The article notes that, by establishing a financial relationship with Millennials today, lenders can reap long-term benefits.

    Read More

  • Is bigger better? Helping borrowers evaluate the pros and cons of a roll-up

    October / November 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 679

    Abstract: Management is constantly maneuvering and shifting to stabilize their business and find the best position in the market. One maneuver potentially available to a company is to purchase, or merge with, one or more similar businesses in the same industry — thus decreasing operating inefficiencies and increasing economies of scale. These roll-ups can be beneficial to everyone involved — including lenders. But they’re not without drawbacks. This article looks at the benefits and drawbacks of roll-ups, showing how lenders can help companies determine whether they’ll gain advantages from a roll-up, or take on further problems.

    Read More

  • How to better evaluate borrower performance – Understand the percentage of completion method

    October / November 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 624

    Abstract: Gaining an understanding of the specific accounting methods borrowers use can help lenders better evaluate their borrowers’ financial status and whether they’re generating sufficient revenues over time. This article discusses one such method: percentage of completion. The article provides a brief example to illustrate how the percentage of completion method works in the context of industries that enter into long-term contracts, such as homebuilders, commercial developers, architects, creative agencies and engineering firms.

    Read More

  • Be aware of real estate fraud schemes

    October / November 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 865

    Abstract: Fraudulent appraisals, corrupt mortgage brokers and straw buyers all play a role in real estate fraud. Lenders need to be on their toes to prevent bad real estate loans. This article offers an overview of the types of schemes that crooked borrowers might use to defraud financial institutions, including document forgery, inflated appraisals, equity skimming and flipping. A sidebar notes some warning signs associated with fraudulent loan applications.

    Read More

  • Small business corruption: Know the warning signs

    August / September 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 474

    Abstract: In 2016, the Association of Certified Fraud Examiners reported that it takes 18 months for companies to uncover fraud schemes — and corruption in particular (for example, conflicts of interest or bribery) produces a median loss of $200,000. Left undetected, corruption has the potential to threaten a company’s ability to continue as a going concern. This article lists some warning signs lenders need to be aware of to help borrowers prevent corruption and fraud.

    Read More

  • Great ideas aren’t enough – Help borrowers grow with big business strategies

    August / September 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 670

    Abstract: A small business based on a great concept still needs a long-term strategic plan to succeed. Lenders can increase the stability of their lending portfolios and improve their long-term lending relationships by guiding borrowers toward more disciplined, professional business practices. This article discusses some best practices small businesses can learn from big business, including techniques for building value and ways to generate formal plans.

    Read More

  • Financial metrics at your fingertips – Using dashboard reports to keep your loans on track

    August / September 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 564

    Abstract: When a company is floundering or in between reporting periods, it’s helpful for lenders to have access to a quick report that simplifies financial information into an easy-to-read summary. This article explains that a dashboard report provides the essentials to help lenders take the necessary steps to shore up or salvage a loan. In addition to describing what information dashboard reports typically contain, the article notes that nothing can replace yearly full and comprehensive financial statements from borrowers.

    Read More

  • How to compete with alternative online lenders

    August / September 2017
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 854

    Abstract: Technology and willingness to use innovative techniques in the underwriting process have allowed online lenders to grab a small but growing percentage of the market for loans to small and medium-size entities (SMEs). Yet traditional banks have several advantages over online lenders. This article offers some guidance to help traditional lenders compete in a virtual marketplace, suggesting that lenders should, among other things, use data to develop predictive models and consider digitizing their application process. A sidebar lists some reasons borrowers are attracted to online lenders.

    Read More