Tag Archives: working capital

Commercial Loan for Retail Receivables

Financing Consumer Paper with a Commercial Loan As credit cards become more and more common, most retailers have moved away from offering in-house financing to their customers. While in the past it was common to have store credit cards, most … Continue reading

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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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Vendor Financing for Small Business

Bank financing in the form of lines of credit and term-loans are sometimes difficult to obtain for small business. The reasons for denial are varied, but they usually center around the lack of a proven ability to service debt or … Continue reading

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