Latest News
Fixed Expenses – Owner-Occupied Real Estate
‘To Own or Not to Own’ – that is the question. We've all heard the business owners’ rationalization for owning the building where their business operates – “My business is going to pay rent to [...]
Fixed Expenses & Troubled Debt
Do you believe in the adage "History repeats itself”? There are a number of examples supporting this – Economic cycles, stock market fluctuations, music trends, clothing styles (let’s hope that’s not the case for the [...]
October Brain Challenge: Money Facts
Q. How many different combinations can you make change for a $1 bill? A. 293 Ways to make change for $1 Here are some additional interesting money facts from our October Newsletter: One (1) US [...]
Lessons from Past Experience: Asset Utilization Analysis
In May 2013, we purchased an under-performing loan relationship (RLOC and term loan) from a large bank. The borrower historically had low leverage and a long history of profitable operations. However, the business experienced a [...]
August Brain Challenge: How Many Squares Are There?
Answer: There are 40 squares.
C&I Lending Activity Tightening
C&I Lending is approaching 2008-09 levels, tightest levels ever recorded, which historically results in a "Flight to Quality". Two (2) important takeaways: 1. Banks will/should 'protect' their best lending relationships - those borrowers with self-sustaining [...]
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