Category Archives: Business Loans

Exporting 101 for Small Business – Loans with Export Insurance

When a small business owner tries to get into exports, it encounters two serious obstacles. a) Dealing with the difficulty of a foreign customer base, and what that entails. (difficulty assessing their creditworthiness, longer terms required to make the sale, … Continue reading

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Global Cash Flow and the Small Business Loan

Recently, I was part of a bank wide project that reviewed a large sample of the commercial loans in our portfolio. Included in the sample were a few dozen small business loans. The project allowed me to get more acquainted … Continue reading

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Field Audits in Asset Based Lending. Definition and Example.

Asset Based Lending or “ABL” has grown in popularity, and is now the number one method of financing working capital for middle market business borrowers {middle market defined as those business entities with sales between $20 Million and $1 Billion … Continue reading

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LIBOR Manipulation – It only takes one bad apple.

Although we are still a couple of months before 2012 is part of history and there is still a chance that a bigger financial story will appear, I think I will always remember 2012 as the year where widespread manipulation … Continue reading

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Business Loan Covenants

For the prospective business borrower, the first time they hear about loan covenants is when they talk to their lender or read some reference to them in the documentation that the lender provided. Covenant is a fancy word for condition, … Continue reading

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