Commercial Lending Review articles from July 2002

Commercial Lending Review archives from July 2002

Bright ideas for small-business lending.(Commercial Lending Review)(Brief Article)(Editorial)
July 1, 2002... Three articles in this issue of Commercial Lending Review showcase the creativity required to succeed in the small-business market. In "Small Business: Product Solutions That Create Competitive Advantage," Kathleen McClave looks at the ways...

Small business: product solutions that create competitive advantage.(banking industry)
July 1, 2002... Small-business owners require a broad range of products to meet their business and personal financial services needs, a decided opportunity for banks serious about cross-selling. For banks, the economics of the segment improve measurably as...

Growing sales and losing cash: assisting your small-business customer with cash flow management.(banking industry)(Statistical Data Included)
July 1, 2002... When sales grow, the monthly cash flow for a profitable firm will eventually turn positive. During initial or other high-growth periods, however, it is common for small firms to encounter negative cash flows. This fact can be a source of...

How small-business and community-development lending affects CRA performance.(Community Reinvestment Act)(Statistical Data Included)
July 1, 2002... The Community Reinvestment Act (CRA) was enacted in 1977 (1) to encourage federally insured financial institutions to address the various credit needs of all segments of their surrounding communities, including the needs of small businesses....

Electronic invoicing and payment: evolution to a new channel.(business-to-business market)(Statistical Data Included)
July 1, 2002... Close to 80 percent of US companies conduct the majority of their business with other firms, contributing to substantial bill and invoice volume in the business-to-business (B2B) marketplace. Average production costs for these invoices are...

Lenders' environmental due diligence: new legislation requires new steps. (Environmental Liability).(The Small Business Liability Relief and Brownfields Revitalization Act)(Statistical Data Included)
July 1, 2002... President Bush recently signed the Small Business Liability Relief and Brownfields Revitalization Act (the Act) into law. This new law amends the federal Comprehensive Environmental Response, Compensation and Liability Act (CERCLA), more...

Call preparation for the health care provider industry. (Relationship Management).(banking industry financing)(Statistical Data Included)
July 1, 2002... Banks have a tremendous opportunity to serve the health care provider industry. The total national health bill, about $1.3 trillion in 2000 (13.2 percent of gross domestic product (GDP)) is expected to grow to $2.6 trillion by 2010 (16 percent...

A Persian folk method of calculating automobile lease payments. (Leasing).(banking industry)(Statistical Data Included)
July 1, 2002... Auto leases use an average interest formula in the calculation of monthly lease payments that simplifies the method used in banking and financial calculators. The simplification is at least a century old, borrowed from the Persian folk method...

Lending to cooperatives. (Workouts).(banking industry investment)(Statistical Data Included)
July 1, 2002... For commercial lenders, cooperatives (co-ops) represent a unique market segment that differs from mainstream commercial financing in both technical and practical respects. Technically, a co-op is a form of organization specified under IRS Code...

Job satisfaction of bankers in commercial lending. (Management Issues).(banking industry)(Statistical Data Included)
July 1, 2002... Comparing the results of a recent national survey on the job satisfaction of bankers in the commercial lending area to those of a similar study conducted in 1989 shows that bankers are generally more satisfied today. There are, however, some...